We encourage the users to contact their housing counselors, mortgage brokers, lenders, lawyers and credit counselors. We do not ask users to bypass their lenders, We do not ask users to transfer or surrender title. Neither FHAZone.com nor its advertisers, charge a fee or require anything other than a submission of qualifying information for comparison shopping advertisement. We do not have any affiliation to and we do not offer payday loans, foreclosure prevention, or short term loans. FHAZone.com is not a government agency and is not linked to the government.