Garwyn Oaks Northwest Housing Resource Center helps families who are at risk of foreclosure and provides
information on how to avoid the type of loans and practices that lead to trouble. If you are having trouble paying your mortgage for any reason or expect problems, contact GO Northwest Housing Resource Center a non-profit, HUD-certified housing counseling agency to help find solutions now. This service is available to anyone in the State of Maryland. All services are FREE and CONFIDENTIAL.

Steps to avoid foreclosure

1. Call Garwyn Oaks Northwest HRC and speak to our Counselor, Meredith McAllister at 410.947.0084 x101, mmcallister@go-northwesthrc.org, for assistance.
2. Schedule a one-on-one counseling session with one of our highly trained counselors to review your finances, send your paperwork to the lender and negotiate for the best program possible.
3. Call your servicer once per week to find out if they have all of the paperwork. If they need more items, fax them to the servicer and your counselor.

DON’T Procrastinate
DON’T ignore your situation
DON’T leave your home
DON’T pay anyone for assistance.

• NEXT STEPS

To prepare for your foreclosure counseling, gather your personal financial documents to provide to your counselor. To ensure that your counselor can complete your counseling, we will not schedule you until we receive all of the requested information. Our goal is to schedule your appointment within 3-5 days of receiving your financial documents.  However, this is not always possible in months that have high attendance for counseling. Click here for Document Checklist . Then, complete the following:

1. Read and sign the attached Program Disclosures here.
2. Securely upload requested financial documents here. or fax to 410.947.0087, or email to enjoy.nature.under.solar.deposit@addtodropbox.com.

One of the items needed is a tri-merged credit report that is no more than 60 days old.  If you are working with a lender, they may be able to provide you with a consumer copy of your report and/or your score disclosure.  We cannot use reports from public sites such as Credit Karma, your bank, or credit card company because they are not tri-merged.  If you do not have a lender’s tri-merged report, Go Northwest can soft pull a tri-merged report for a fee.  Reports cost $25 for an individual and $45 for a joint report. The fee can be paid by clicking Buy Now below. Please provide a copy of your paid receipt that will come to your email if you pay this ahead of your appointment.  Using this link is the only way we accept payment for the report.  If you wait until your appointment to pay the fee, you will still need to pay using the link below.  If you have questions or concerns, Contact Meredith McCallister for more information: mmcallister@go-northwesthrc.org, 410-947-0084 x101. 

Download here for more information on foreclosure prevention.