Perry County sits in southeast Mississippi, with New Augusta serving as the county seat and Richton, Beaumont and the surrounding rural communities spread across the rest of the county. Each is one community within a much larger Perry County, Mississippi. When a job slows down, an illness hits, or an unexpected bill lands, a missed mortgage payment can slip out of reach quickly. Dream Financial Management offers confidential, educational mortgage-assistance and loss-mitigation guidance to homeowners throughout Perry County, Mississippi. We are not a law firm and do not provide legal representation.
Complete the form below to begin. All information is kept confidential.
Mississippi's foreclosure timeline can move faster than many homeowners expect, and the options available to you generally narrow as the process advances. For homeowners in New Augusta, Richton, Beaumont and across rural Perry County, reaching out at the first sign of trouble — not after a sale date is set — usually gives you the most room to organise documents, respond to your servicer and review alternatives.
The earliest stage is also the easiest to correct. At this point, most homeowners still have several paths back to a current loan.
Notices often contain deadlines and instructions. Missing or misreading them can waste weeks that could have been used to prepare a request.
A complete package submitted early is reviewed earlier. Incomplete submissions are a common reason reviews stall or get closed.
Mississippi generally allows non-judicial foreclosure under a deed of trust, where a trustee is authorised to advertise and conduct a sale without court supervision. The stages below are presented as general education so Perry County homeowners can recognise where they are in the process.
The loan goes into default after missed payments. Your servicer may begin collection contact and send delinquency notices.
Formal notice is provided that the loan is in default. The letter typically explains the amount needed to cure and any stated deadline.
Under a deed of trust, a trustee's notice of sale is advertised in the county where the property sits before a scheduled sale date.
The property may be sold at auction, followed by a deed transfer and, where applicable, eviction proceedings and possible deficiency issues.
This framework is general educational information about Mississippi practice. It is not legal advice, does not describe every situation, and does not create any attorney-client relationship. Consult a licensed Mississippi attorney for advice about your own matter.
We support homeowners across Perry County, Mississippi — including New Augusta, Richton, Beaumont and the rural communities in between. Perry County is a single county-wide service area, so where you live within the county does not change your access to a free, confidential mortgage hardship review.
The county seat. Homeowners here can request a mortgage-hardship review, loss-mitigation preparation and servicer correspondence support.
One of the county's largest communities. Households can review mortgage-workout assistance, financial-document organization and homeowner option review.
Beaumont-area homeowners can access mortgage-hardship review and help organising documents for a servicer loss-mitigation request.
Farm, timber, acreage and rural residential homeowners across rural Perry County are covered county-wide.
Every unincorporated community, crossroads and rural route in Perry County receives the same educational support as the larger towns.
Not sure whether your community is covered? It is — our assistance is county-wide.
(213) 536-9372This page covers Perry County, Mississippi. It is not a page for Perry County in Arkansas, Alabama, Illinois, Indiana, Kentucky, Missouri, Ohio, Pennsylvania or Tennessee.
Dream Financial Management is a mortgage-hardship and loss-mitigation support company. We help homeowners in Perry County organise their situation, prepare a complete request to their mortgage servicer, and understand the options available. We are not a law firm and do not provide legal representation.
A structured review of your income, expenses, delinquency and loan details to identify what options your situation may support.
Help assembling a complete loss-mitigation package so your servicer receives the documentation it needs the first time.
Assistance preparing and submitting a loan-modification request, and understanding how servicer review timelines work.
Pay stubs, bank statements, tax returns, hardship letters and property records organised into a clear, consistent file.
Help tracking notices, deadlines and requests, and preparing written follow-up so nothing gets lost in the pipeline.
An educational walkthrough of retention and exit options — including mortgage-workout assistance, short sale and deed-in-lieu considerations.
Having these items ready makes your review faster and your servicer submission stronger.
Recent pay stubs or income proof
Last 30 days of income for all borrowers or contributors.
Bank statements
Most recent two months for your primary accounts.
Most recent tax return
Signed federal return from the last filed year.
Mortgage statements & notices
Latest statement plus any delinquency or default notices received.
A written hardship explanation
What changed, when it changed, and your current situation.
Property information
Full property address and county — helpful for Perry County homeowners.
Dream Financial Management provides educational and document-preparation support related to mortgage hardship and loss mitigation. We do not provide legal advice or legal representation.
If you are a Perry County homeowner and a mortgage payment has become difficult, the best next step is a confidential conversation. We will walk through your situation, explain the Mississippi process in plain language, and outline the loss-mitigation options that may apply.
Dream Financial Management is not a law firm and does not provide legal advice or legal representation. This information is educational and does not guarantee any particular outcome.
Dream Financial Management is not a law firm, is not a government agency, and does not provide legal advice, legal representation, tax advice, or credit counseling services. The information on this page is provided for general educational purposes only and is specific to Perry County, Mississippi homeowners.
Nothing on this page should be interpreted as a promise of any particular outcome, an offer to lend, or an agreement to stop a foreclosure sale. Any mortgage workout, loan modification assistance, or loss-mitigation preparation depends on your individual circumstances, your servicer's review, and applicable law.
We do not claim to be affiliated with the United States government, the Mississippi Attorney General, any county office, or any lender or servicer. If you are facing a foreclosure deadline, court date, or sale date, please consult a licensed Mississippi attorney or a HUD-approved housing counselor as soon as possible.