Trouble paying your mortgage? Resource center can help |

Trouble paying your mortgage? Resource center can help

With a nationwide surge in home foreclosures, including a 200 percent increase in Douglas County, U.S. Sen. Harry Reid has called for action to remedy the situation.

To answer the call, a Mobile Resource Center will be set up from 10 a.m. to noon Tuesday at the Douglas County Library, 1625 Library Lane in Minden.

According to RealtyTrac, 40 properties in Douglas County are in foreclosure, and 52 more have started the process.

Jill Perry, the Northern Nevada director of Credit Counseling Affiliates, said many people don’t contact their mortgage lender when they begin to default on a loan. In some cases, people tend to blame the lender.

“When you blame someone, you don’t want to talk to them,” Perry said.

If a person begins to default on a loan, the individual usually can avoid foreclosure because the lender is willing to work something out, said Tony Ramirez, director of the Reno field office of the U.S. Department of Housing and Urban Development.

The longer a person waits, the more limited the options become, so don’t wait, he said.

“Nobody wants to take your home away from you,” Perry said.

The temporary center will have representatives from Housing and Urban Development, Credit Counseling Affiliates, Wells Fargo, Countrywide, the Mortgage Bankers Association and JP Morgan Chase.

Perry encourages people to come to the center, but if they can’t make it, they always can call the nonprofit CCA and make an appointment. Other options include counseling over the phone and the Internet.

“It’s a little easier to talk to me than to talk to a lender,” Perry said.

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