Your first step should always be to contact your mortgage lenders.

If you need additional assistance, below are some federal and state agencies and nonprofit organizations that have developed foreclosure prevention programs to help homeowners who are having trouble with their home loans.

U.S. Department of Housing and Urban Development (HUD)
HUD provides a variety of resources for homeowners at risk of foreclosure. The Department funds free housing counseling services throughout the country. HUD-approved counselors can help homeowners understand the law and their options, organize their finances, and represent borrowers in negotiations with their lenders if this assistance is needed.
Telephone: 1-800-569-4287
Find HUD-Approved Housing Counseling Agencies in your State: http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?weblistaction=summary
Additional HUD resources for avoiding foreclosure: http://www.hud.gov/foreclosure/index.cfm

State Attorneys General
Homeowners who suspect that they have been a victim of fraud, misleading information, or other deceptive practices, should contact their state Attorney General’s office. These offices investigate complaints and sue lenders and other mortgage originators for alleged illegal behavior. In addition, several state Attorneys General have been instrumental in setting up multi-agency foreclosure prevention task forces that provide financial resources and proactive intervention for homeowners facing or at risk of foreclosure.
Texas State Attorney General’s Office: http://www.oag.state.tx.us
Texas State Attorney General’s Office: 512-463-2100

State Housing Finance Agencies
State Housing Finance Agencies administer a wide range of affordable housing and community development programs. A number of state HFAs have partnered with other entities (including nonprofit counseling agencies, local governments, state housing departments and lenders) to provide comprehensive foreclosure prevention and mitigation strategies.
Texas state housing finance agency: www.tdhca.state.tx.us
Texas state housing finance agency: (512) 475-3800 or toll free: 1-800-525-0657

NeighborWorks
NeighborWorks is a national network of more than 240 community-based nonprofit organizations (located in 50 states) created by Congress to provide financial support, technical assistance, and training for community revitalization efforts. NeighborWorks provides a variety of resources for preserving homeownership in the face of rising foreclosure rates including HOPE for Homeowners, a toll-free national hotline that offers free foreclosure prevention and counseling advice from a third party, HUD-certified, not-for-profit network of counseling agencies dedicated to helping homeowners avoid foreclosure. NeighborWorks has teamed up with the Homeownership Preservation Foundation and the Financial Services Roundtable to provide this service.
HOPE for Homeownership Hotline (English and Spanish): 1-888-995-HOPE (4673) www.995Hope.com
Find a HUD-certified NeighborWorks organization: http://www.nw.org/network/nwdata/hudhousing.asp
Information on the Center for Foreclosure Solutions: http://www.nw.org/network/foreclosure/default.asp

National Community Reinvestment Coalition (NCRC)
NCRC is a national coalition of more that 800 non-profit organizations that seek to increase the flow of private capital into underserved communities. NCRC’s Consumer Rescue Fund works with victims of predatory lending to provide mediation, refinancing or renegotiation of mortgages.
NCRC’s Information and CRF Services line: 202-628-8866
Website for the CRF: http://www.fairlending.com/

Neighborhood Assistance Corporation of America (NACA)
NACA is a national non-profit advocacy and homeownership organization. NACA’s Refinance Program offers new loans to eligible homeowners with unaffordable mortgages. NACA’s Home Save program gives counseling and financial assistance to eligible homeowners who are at risk of foreclosure.
NACA’s Information and Refinancing Services line: 1-888-302-NACA
Website: http://www.naca.com/refinance/refinanceTenStep.jsp