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Assistance for Atlanta Homeowners

CredAbility, a HUD-approved counseling agency based in Atlanta, estimates 600,000 Atlanta homeowners are 60 days or more behind on their mortgage payments. These homeowners can get free assistance from CredAbility in applying for a loan modification program that could lower their monthly mortgage payment by hundreds of dollars, the agency says.

Of the $9.5 million the U.S. Treasury Department recently awarded to nonprofit housing counseling organizations around the country, the largest amount in Georgia ($473,000) went to CredAbility. The nonprofit agency will use the funds to help local homeowners navigate the process of seeking a loan modification or other foreclosure prevention help as part of the Making Home Affordable (MHA) program.

CredAbility has assigned 50 housing counselors to work with struggling homeowners in applying for mortgage assistance. To schedule a personal counseling session, call 888-420-5767 or visit

What You’ll Need

To help housing counselors with CredAbility or another HUD-approved counseling agency evaluate your situation, the agency recommends that homeowners have the following documents handy:

  • Monthly mortgage statement
  • Information about any other mortgages
  • Two most recent pay stubs
  • If self-employed, the most recent quarterly or year-to-date Profit and Loss Statement
  • Documentation of income from all sources, such as benefits
  • Two most recent bank statements
  • Unemployment income letter, if applicable

Reminder from Fannie Mae

Homeowners throughout the U.S. with Fannie Mae loans who are struggling to pay their mortgage can get free information and assistance at a Fannie Mae Mortgage Help Center.

Beware of Scams

Learn how to identify and avoid scam artists who promise immediate relief from foreclosure.

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Find the answers to common questions concerning your mortgage and the various options to avoid foreclosure.

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Visit our glossary of key terms to increase your understanding of the foreclosure options available.

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