​ 

Helping you build an affordable future

QUICK LINKS

• Register for HomeBuyer Readiness
  
• Frequently Asked Questions
  
• How do I qualify?
  
• Member Lenders
  
• Register for the 8 Hour Homebuyer Education Course
  
• Register for the Financial Fitness Class
  
• Housing Counseling
• Down Payment Assistance  Programs Available
• TLC Home Gallery
• Reverse Mortgage Counseling
  

​​​​​Tallahassee Lenders' Consortium, Inc. d/b/a TLC

Call Us:  850.222.6609x100

Click here to get theGETTING STARTED CHECKLIST

Click on the STOP FORECLOSURE NOW sign below to start the process by completing the application. 

If you are facing foreclosure or if you are only a few months behind, you can start working with our Foreclosure Prevention specialist now by downloading the application and Getting Started checklist to see what options may be available to you.

Foreclosure counselors can make the difference between losing your home and keeping it.

TLC provides foreclosure counseling services.

Did you know if you're trying to tackle your mortgage problems alone, you're 3 times more likely to end up in foreclosure than if you seek out a foreclosure counselor?

WHAT A FORECLOSURE COUNSELOR DOES

• Reviews your finances
  
• Helps you establish a budget
  
• Explains non-foreclosure options, such as a loan modification, short sale, or deed in lieu; helps you navigate the process with any chosen option
  
• Advocates on your behalf with lenders and loan servicers
  

Counselors should also be up front about discussing their own track records as well as the track records of the agency for which they work.

• Expect to spend 2 to 24 hours with your counselor, depending on the complexity of your foreclosure situation, including how many lenders you have to provide documentation to and with whom you will negotiate.
  
• Expect an action plan containing the tasks you'll need to perform to change your financial situation.
  

You can get concrete results by listening to your counselor: Home owners who received loan modifications in 2008 and 2009 reduced their monthly payments by $267 more than those who didn't get counseling.

The Odds of bringing your loan current are 53% higher if you receive pre-modification counseling than if you don't.

WHAT A FORECLOSURE COUNSELOR DOESN'T DO

• Give tax advice
  
• Give legal advice
  
• Give guarantees regarding a particular outcome