Save Your Home From Foreclosure

Having trouble paying your mortgage?  Don't wait until it's too late!  UF/IFAS Osceola County Extension Services can help!  Our certified housing counselors work with homeowners to assess their immediate needs and look at possible solutions to prevent foreclosure.  ALL counseling services are FREE and confidential.  Call the UF/IFAS Extension in Osceola County at 321-697-3000 to speak with a HUD certified counselor about your options or attend a Mortgage Foreclosure Prevention Clinic.

    Mortgage Foreclosure Prevention Clinics

Thursday, April 24, 6:00 pm - 8:00 pm

Extension Services, Osceola Heritage Park
1921 Kissimmee Valley Ln.
Kissimmee, FL 34744


To expedite your free services please have the following information ready.

    • Most recent mortgage statement
    • 2 months recent pay stubs for all household earners and bank statements
    • Last 2 years taxes
    • Household budget
    • List of all debt and minimum payment amounts
    • Intake application

New Attorney General's Foreclosure Settlement Could Help You

By now you may have heard of the $25 billion National Mortgage Servicing Settlement.  With the cooperative efforts of 49 state attorney generals, the Federal government reached an agreement that is holding the nation's five largest loan servicers (Ally Financial, Bank of America, Citigroup, J.P. Morgan Chase and Wells Fargo) accountable for their actions.  The settlement is requiring them to provide relief to distressed homeowners and those who lost their home from January 1, 2008 through December 31, 2011. 

Independent Foreclosure Review

National Mortgage Settlement

Foreclosure Prevention Options

Mortgage Payments Sending You Reeling? Here's What to Do   [en español]

Foreclosure Rescue Scam: Homebuyer Beware                        [en español]

How to Manage the Foreclosure Process

Making Home Affordable

The Making Home Affordable Program is helping millions of homeowners either refinance into more affordable monthly payments or offering loan modification options. For more information, click here.

Consider working with a HUD Certified Counselors. They Can:

  • Evaluate your current situation and ability to repay
  • Help you establish a monthly budget
  • Contact the lender to help negotiate options
  • Help you evaluate all options and explain each one

To find out if you qualify  for the Making Home Affordable Program or to speak to a HUD-certified counseling agency, call (888) 995-4673.

Renter's Rights

For information pertaining to Renter's Rights and Foreclosure, click here.

Local Programs to Help Prevent Foreclosure

The Osceola County Human Services department offers a one time grant of up to $5,000 to for those eligible. For more information call (407) 742-8400 or click here.

For questions or more information, please call Laura Royer at (321) 697-3000.

Contact Us - Families & Consumers

Laura E. Royer

Extension Faculty
Family & Consumer Sciences
Housing Finance

Amy Canar

Administrative Secretary
E-mail :