Contact one of the HUD-funded housing counseling agencies closest to you. Also, read our tips on avoiding foreclosure . You should provide your FHA case number, if you know it.
Tracers are legal.
But they do not represent HUD, and you do not have to use one to get your refund, if you are owed one. You can read about HUD refunds , right on our home page, including how to get yours. If you decide you want to pursue a reverse mortgage, we have a list of approved lenders who can help you. We have lots of information about living choices for people with disabilities , right on our web site. HUD also funds housing counseling agencies who can help you think through your options.