Save Your Home from Foreclosure
If you are struggling to make your mortgage payments, you are not alone. Our HUD-certified housing experts provide the immediate, authoritative guidance you need to protect your foundation and explore every available solution.
Immediate Actions to Take Right Now
Open and respond to all mail from your mortgage servicer immediately.
Talk to your lender as soon as you realize you cannot make a payment.
Connect with a HUD-approved housing counselor for a free assessment.
Explore Your Recovery Options
Foreclosure is not inevitable. We work with you and your lender to identify the right path forward based on your current financial capacity.
Loan Modification
A permanent restructuring of your mortgage where one or more of the terms are changed to provide a more affordable monthly payment. This can include interest rate reductions or term extensions.
Forbearance
Your lender allows you to pause or reduce your mortgage payments for a specific period. This is often used during temporary hardships like medical leave or unemployment.
Repayment Plan
If you've missed a few payments, a repayment plan spreads the past-due amount over a set timeframe, adding it to your regular monthly payments until you are caught up.
Your Session:
What to Expect
During your free foreclosure prevention session, a certified counselor will perform a deep dive into your finances. We don't just look at the mortgage; we analyze your entire budget to find sustainable long-term solutions.
Our goal is to build a comprehensive "Homeowner Action Plan" that you can present to your lender with confidence. We can even facilitate a three-way call with your servicer to initiate the recovery process.
Document Checklist
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Most recent mortgage statement
Includes your account number and servicer info.
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Income verification (Paystubs/Tax Returns)
Usually the last two paystubs and most recent tax return.
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Detailed monthly expense list
A list of all utilities, debts, and essential spending.
The Foreclosure Prevention Hotline
Foreclosure is a race against time. Every day counts. Call our dedicated housing support line now for an immediate, confidential assessment of your options.
100% Free • Confidential • HUD-Approved Counseling