Loan modification scammers can take your money and your home if you are not cautious and well-informed. Anyone can be a victim - but you do not have to be.

If you are worried about keeping your home, AVOID anyone that:

1. Asks for a FEE IN ADVANCE
2. GUARANTEES that they'll stop a foreclosure or modify a loan
3. Tells you to STOP PAYING your mortgage company and to pay them instead

Know the signs. Get the facts. Call HAP, a HUD-approved counseling agency at 612-377-6482 x200 for loan modification guidance or to report a scam. For more information on the Loan Modification Scam Alert Campaign, please visit www.loanscamalert.com.

For loan modification scam information on complaints filed, laws and regulations, and enforcement actions, please visit www.preventloanscams.org.