{"id":983,"date":"2021-04-16T16:58:29","date_gmt":"2021-04-16T16:58:29","guid":{"rendered":"https:\/\/211md.org\/?page_id=983"},"modified":"2026-05-07T16:22:46","modified_gmt":"2026-05-07T20:22:46","slug":"%e6%8a%b5%e6%8a%bc%e6%ad%a2%e8%b5%8e","status":"publish","type":"page","link":"https:\/\/211md.org\/zh\/resources\/housing-shelter\/mortgage-foreclosure\/","title":{"rendered":"How to Prevent a Foreclosure On Your Home"},"content":{"rendered":"<figure data-animation-delay=\"0\" data-animation-duration=\"1\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/stg-maryland211-staging.kinsta.cloud\/wp-content\/uploads\/2025\/08\/5-1-scaled.png\" alt=\"5\" height=\"692\" width=\"2560\" title=\"5\" onerror=\"this.style.display='none'\" loading=\"lazy\">\n\t<\/figure>\n\t\t<h1><a href=\"#start\" target=\"_self\">\u9ed8\u8ba4\u9875\u9762\u6807\u9898<\/a><\/h1><p>\u5982\u679c\u60a8\u96be\u4ee5\u652f\u4ed8\u62b5\u62bc\u8d37\u6b3e\uff0c\u53ef\u4ee5\u5bfb\u6c42\u5e2e\u52a9\u3002\u8d8a\u65e9\u884c\u52a8\u8d8a\u597d\u3002<\/p>\n<p>\u4e86\u89e3\u6d41\u7a0b\u4ee5\u53ca\u4f4f\u623f\u987e\u95ee\u5982\u4f55\u63d0\u4f9b\u5e2e\u52a9\u3002<\/p>\n\t\t\t<a href=\"#start\" target=\"_self\">\n\t\t\t\t\t\t\u5f00\u59cb\n\t\t\t\t\t<\/a>\n<figure data-animation-delay=\"0\" data-animation-duration=\"1\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/plugins\/bb-plugin\/img\/pixel.png\" alt=\"\" onerror=\"this.style.display='none'\" loading=\"lazy\">\n\t<\/figure>\n\t\t<h2>\u4f7f\u7528\u4f4f\u623f\u987e\u95ee<\/h2>\n<p>\u5982\u679c\u60a8\u65e0\u529b\u652f\u4ed8\u6bcf\u6708\u7684\u6b3e\u9879\u6216\u88ab\u53d6\u6d88\u8d4e\u56de\u6743\uff0c\u6709\u4e00\u4e9b\u65b9\u6cd5\u53ef\u4ee5\u4fdd\u4f4f\u60a8\u7684\u623f\u5b50\u3002<\/p>\n<p>\u9a6c\u91cc\u5170\u5dde\u623f\u4e3b\u6743\u76ca\u4fdd\u62a4 (HOPE) \u5021\u8bae\u53ef\u4ee5\u5e2e\u52a9\u62ef\u6551\u623f\u5c4b\u3002<\/p>\n<p>\u8be5\u673a\u6784\u4e0e\u5168\u5dde\u5404\u5730\u975e\u8425\u5229\u7ec4\u7ec7\u7684\u4f4f\u623f\u987e\u95ee\u5408\u4f5c\u3002<\/p>\n<p>\u54a8\u8be2\u4eba\u5458\u5e2e\u52a9\u623f\u4e3b\u4e86\u89e3\u6b62\u8d4e\u7a0b\u5e8f\u4ee5\u53ca\u53ef\u4ee5\u5e2e\u52a9\u4ed6\u4eec\u7684\u8ba1\u5212\u3002<\/p>\n<p>\u5728\u9a6c\u91cc\u5170\u5dde\uff0c\u5e2e\u52a9\u662f\u514d\u8d39\u7684\u3002\u5bf9\u90a3\u4e9b\u627f\u8bfa\u6536\u8d39\u5e2e\u52a9\u7684\u516c\u53f8\u8981\u8c28\u614e\u3002<\/p>\n<p>\u79f0\u547c <a href=\"https:\/\/dhcd.maryland.gov\/Residents\/Pages\/HOPE\/Homeowners.aspx\" target=\"_blank\" rel=\"noopener\">\u5e0c\u671b<\/a> \u5728 1-877-462-7555\u3002<\/p>\n<h3>\u6b62\u8d4e\u6551\u63f4\u9a97\u5c40<\/h3>\n<p>\u5728\u9a6c\u91cc\u5170\u5dde\u83b7\u5f97\u53d6\u6d88\u62b5\u62bc\u54c1\u8d4e\u56de\u6743\u7684\u5e2e\u52a9\u662f\u514d\u8d39\u7684\u3002<\/p>\n<p>\u4e00\u4e9b\u9a97\u5b50\u8bf1\u9a97\u623f\u4e3b\u7b7e\u7f72\u5951\u7ea6\u5e76\u628a\u623f\u5b50\u636e\u4e3a\u5df1\u6709\uff0c\u8fd8\u6709\u4e00\u4e9b\u4eba\u6536\u53d6\u5de8\u989d\u8d39\u7528\u5374\u4e0d\u63d0\u4f9b\u4efb\u4f55\u670d\u52a1\u3002<\/p>\n<p>\u5728\u6ca1\u6709\u9996\u5148\u83b7\u5f97\u5ba2\u89c2\u7684\u6cd5\u5f8b\u5efa\u8bae\u3001\u54a8\u8be2\u62b5\u62bc\u8d37\u6b3e\u516c\u53f8\u6216\u4e0e HOPE \u987e\u95ee\u4ea4\u8c08\u4e4b\u524d\uff0c\u8bf7\u52ff\u7b7e\u7f72\u4efb\u4f55\u6587\u4ef6\u3002<\/p>\n<figure data-animation-delay=\"0\" data-animation-duration=\"1\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/uploads\/2025\/09\/homeowner-talking-ot-a-housing-counselor.jpg\" alt=\"\u623f\u4e3b\u6b63\u5728\u4e0e\u4f4f\u623f\u987e\u95ee\u4ea4\u8c08\" height=\"800\" width=\"1200\" title=\"\u623f\u4e3b\u4e0e\u4f4f\u623f\u987e\u95ee\u4ea4\u8c08\" onerror=\"this.style.display='none'\" loading=\"lazy\">\n\t<\/figure>\n\t<h3>\u6211\u4eec\u6570\u636e\u5e93\u4e2d\u7684\u70ed\u95e8\u4f4f\u623f\u641c\u7d22<\/h3><p>\u5728\u793e\u533a\u8d44\u6e90\u6570\u636e\u5e93\u4e2d\u641c\u7d22\u8fd9\u4e9b\u70ed\u95e8\u623f\u6e90\u4fe1\u606f\u3002\u83b7\u53d6\u60a8\u6240\u9700\u7684\u4fe1\u606f\u3002<\/p>\n\t\t\t<a href=\"https:\/\/search.211md.org\/search?query=DM-1800&amp;distance=25\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\u62b5\u62bc\u8d37\u6b3e\u62d6\u6b20\u53ca\u54a8\u8be2\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/search.211md.org\/search?query=BH-3800.5000&amp;query_label=Mortgage+Payment+Assistance&amp;query_type=taxonomy\" target=\"_self\">\n\t\t\t\t\t\t\u62b5\u62bc\u8d37\u6b3e\u652f\u4ed8\u63f4\u52a9\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/search.211md.org\/search?query=BH-3800.6500&amp;query_type=taxonomy&amp;query_label=&amp;utm_source=Housing+&amp;utm_medium=Referral&amp;utm_campaign=PropertyTax&amp;utm_content=&amp;distance=25\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\tProperty Tax Help\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/search.211md.org\/search?query=BH-3700&amp;query_label=Housing+Counseling&amp;query_type=taxonomy\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\u4f4f\u623f\u54a8\u8be2\n\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/search.211md.org\/search?query=BH-1800.8500-150%2CBH-3000.3500%2CPH-3300.2750%2CBH-7000.4600%2CBH-8400.6000-060%2CBH-8600&amp;query_label=I+need+help+with+housing.&amp;query_type=taxonomy\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\u4e00\u822c\u4f4f\u623f\u5e2e\u52a9\n\t\t\t\t\t<\/a>\n\t<h2>\u6b62\u8d4e\u7a0b\u5e8f<\/h2>\n<p>\u4e00\u65e6\u9519\u8fc7\u4e00\u6b21\u4ed8\u6b3e\uff0c\u62b5\u62bc\u8d37\u6b3e\u5c31\u8fdd\u7ea6\u4e86\u3002<\/p>\n<p>\u8d37\u65b9\u53ef\u80fd\u4f1a\u53d1\u9001\u201c\u4e0d\u8db3\u901a\u77e5\u201d\u3002<\/p>\n<p>\u591a\u6b21\u903e\u671f\u4ed8\u6b3e\u540e\uff0c\u53ef\u80fd\u4f1a\u6536\u5230\u201c\u8fdd\u7ea6\u901a\u77e5\u201d\u3002\u901a\u77e5\u4f1a\u8bf4\u660e\u6b20\u6b3e\u91d1\u989d\uff0c\u5e76\u544a\u77e5\u53ef\u80fd\u9762\u4e34\u4e27\u5931\u62b5\u62bc\u54c1\u8d4e\u56de\u6743\u7684\u98ce\u9669\u3002<\/p>\n<p>\u5f53\u62b5\u62bc\u8d37\u6b3e 90 \u5929\u672a\u507f\u8fd8\u65f6\uff0c\u53ef\u4ee5\u5408\u6cd5\u542f\u52a8\u6b62\u8d4e\u7a0b\u5e8f\u3002<\/p>\n<p>\u4e0b\u4e00\u6b65\u662f\u201c\u6b62\u8d4e\u884c\u52a8\u901a\u77e5\u201d\u3002\u9a6c\u91cc\u5170\u5dde\u6cd5\u5f8b\u8981\u6c42\uff0c\u5728\u63d0\u8d77\u6b62\u8d4e\u884c\u52a8\u524d\u81f3\u5c11 45 \u5929\uff0c\u4ee5\u6302\u53f7\u4fe1\u548c\u4e00\u7b49\u90ae\u4ef6\u7684\u65b9\u5f0f\u53d1\u9001\u901a\u77e5\u3002<\/p>\n<p>\u4e0d\u8981\u7b49\u5230\u8fd9\u79cd\u60c5\u51b5\u53d1\u751f\u3002\u8d8a\u65e9\u5bfb\u6c42\u62b5\u62bc\u8d37\u6b3e\u65b9\u9762\u7684\u5e2e\u52a9\uff0c\u623f\u5c4b\u4fdd\u4f4f\u7684\u53ef\u80fd\u6027\u5c31\u8d8a\u5927\u3002<\/p>\n<p>\u67e5\u770b\u65f6\u95f4\u7ebf&nbsp;<a href=\"https:\/\/dhcd.maryland.gov\/Residents\/Documents\/HOPE\/TheNetworkForclosureTimeline_May2012v4.pdf\" target=\"_blank\" rel=\"noopener\">\u9a6c\u91cc\u5170\u6b62\u8d4e\u7a0b\u5e8f<\/a>.<\/p>\n<figure itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/uploads\/2021\/05\/Housing-Legal.png\" alt=\"\u65c1\u8fb9\u6709\u623f\u5b50\u5851\u6599\u6a21\u578b\u7684\u6cd5\u69cc\" height=\"348\" width=\"460\" title=\"\u4f4f\u623f\u6cd5\u5f8b\" onerror=\"this.style.display='none'\" loading=\"lazy\">\n\t<\/figure>\n\t<h2>\u62b5\u62bc\u4ed8\u6b3e\u9009\u9879<\/h2>\n<p>\u4e00\u822c\u6765\u8bf4\uff0c\u4f4f\u623f\u8d37\u6b3e\u4eba\u4e0d\u60f3\u53d6\u6d88\u62b5\u62bc\u8d37\u6b3e\u7684\u8d4e\u56de\u6743\u3002\u7531\u4e8e\u6d89\u53ca\u7684\u6210\u672c\uff0c\u53d6\u6d88\u62b5\u62bc\u54c1\u8d4e\u56de\u6743\u5f88\u5c11\u6709\u8d62\u5bb6\u3002\u5c1d\u8bd5\u4e0e\u60a8\u7684\u8d37\u65b9\u5236\u5b9a\u4ed8\u6b3e\u8ba1\u5212\uff0c\u76f4\u5230\u60a8\u7684\u8d22\u52a1\u72b6\u51b5\u6709\u6240\u6539\u5584\u3002<\/p>\n<p>\u5173\u952e\u662f\u5c3d\u65e9\u5e76\u6301\u7eed\u5730\u5bfb\u6c42\u5e2e\u52a9\uff0c\u5e76\u5411\u56fd\u5bb6\u6279\u51c6\u7684\u4f4f\u623f\u987e\u95ee\u5bfb\u6c42\u5efa\u8bae\u3002\u4ed6\u4eec\u53ef\u4ee5\u5e2e\u52a9\u60a8\u4e86\u89e3\u62b5\u62bc\u8d37\u6b3e\u6587\u4ef6\uff0c\u89e3\u91ca\u60a8\u62e5\u6709\u7684\u9009\u62e9\uff0c\u5e76\u5e2e\u52a9\u60a8\u4e0e\u8d37\u65b9\u534f\u5546\u201c\u953b\u70bc\u8ba1\u5212\u201d\u3002<\/p>\n<p>\u51c6\u5907\u597d\u7ed3\u7b97\u6587\u4ef6\u3001\u7eb3\u7a0e\u7533\u62a5\u8868\u548c\u8d37\u65b9\u7684\u4efb\u4f55\u901a\u77e5\u6216\u53d1\u7968\uff0c\u4ee5\u53ca\u60a8\u7684\u5bb6\u5ead\u9884\u7b97\u548c\u503a\u6743\u4eba\u540d\u5355\u6765\u9884\u7ea6\u3002<\/p>\n<p>\u53ef\u80fd\u7684\u953b\u70bc\u8ba1\u5212\u53ef\u80fd\u5305\u62ec\uff1a<\/p>\n<ul>\n<li aria-level=\"1\">\u8fd8\u6b3e\u8ba1\u5212\u2014\u2014\u901a\u8fc7\u5c06\u903e\u671f\u91d1\u989d\u7684\u4e00\u90e8\u5206\u6dfb\u52a0\u5230\u60a8\u7684\u6bcf\u6708\u8fd8\u6b3e\u4e2d\u6765\u8ddf\u4e0a\u3002<\/li>\n<li aria-level=\"1\">\u5bbd\u5bb9\u8ba1\u5212\u2014\u2014\u60a8\u7684\u6bcf\u6708\u4ed8\u6b3e\u6682\u65f6\u51cf\u5c11\u6216\u6682\u505c\u3002\u5f53\u4ed8\u6b3e\u6062\u590d\u65f6\uff0c\u901a\u5e38\u4f1a\u4ea7\u751f\u66f4\u9ad8\u7684\u5e94\u4ed8\u91d1\u989d\u3002<\/li>\n<li aria-level=\"1\">\u8d37\u6b3e\u4fee\u6539\u8ba1\u5212\u2014\u2014\u8d37\u65b9\u540c\u610f\u4ee5\u67d0\u79cd\u65b9\u5f0f\u66f4\u6539\u60a8\u7684\u6761\u6b3e\u3002\u4ed6\u4eec\u53ef\u80fd\u4f1a\u964d\u4f4e\u60a8\u7684\u5229\u606f\u3001\u5ef6\u957f\u8d37\u6b3e\u8fd8\u6b3e\u671f\u9650\u6216\u534f\u5546\u63d0\u524d\u8fd8\u6b3e\u7f5a\u91d1\u3002<\/li>\n<li aria-level=\"1\">\u90e8\u5206\u7d22\u8d54\u2014\u2014\u8d37\u65b9\u53ef\u4ee5\u901a\u8fc7\u4fdd\u9669\u516c\u53f8\uff08FHA 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itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/plugins\/bb-plugin\/img\/pixel.png\" alt=\"\" onerror=\"this.style.display='none'\" loading=\"lazy\">\n\t<\/figure>\n\t\t<figure itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/211md.org\/wp-content\/uploads\/bb-plugin\/cache\/Call-center-specialst-circle-4e9ecd7b3425be4576416abc911049bb-.jpg\" alt=\"\u547c\u53eb\u4e2d\u5fc3\u4e13\u5bb6\" title=\"\u547c\u53eb\u4e2d\u5fc3\u4e13\u5458\" onerror=\"this.style.display='none'\" loading=\"lazy\">\n\t<\/figure>\n<h2>\u62e8211<\/h2><p>\u5168\u5929\u5019\u4e0e\u4e00\u4f4d\u5145\u6ee1\u5173\u7231\u548c\u540c\u60c5\u5fc3\u7684\u4eba\u4ea4\u8c08\u3002\u4ed6\u4eec\u8fd8\u53ef\u4ee5\u4e3a\u4f60\u63d0\u4f9b\u8d44\u6e90\u3002&nbsp;<\/p>\n<h2>\n\t\t\t\u76f8\u5173\u4fe1\u606f\t<\/h2>\n\t\t<h4><a 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