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Homeowner Relief Program Resource Center

Find information below that may help you with your mortgage problems.

Facing the threat of home foreclosure and mortgage payments you can not afford is a hard situation for any family. Not everyone deals with it the same. Losing your home can cause other parts of your life and finances to spiral out of control. According to recent reports just over 600,000 default notices, scheduled auctions and bank repossessions were reported during the third quarter of 2011.

Not included in this number are the thousands of homeowners struggling to make payments each month and fighting to pay a mortgage they can no longer afford. This is very common due to loss of income or an adjustable rate mortgage that has recast and sent payments skyrocketing. By educating yourself and taking advantage of available programs you may put you and your family in a better financial position.

Tip of the Day: Don't sign anything you don't understand.
Mortgage scams exist across the nation. Protect yourself by getting help if needed.

Options for Lowering Payments and Avoiding Foreclosure

Homeowners across the nation are dealing with less income, negative equity and the risk of foreclosure. No one is immune to the mortgage disaster still affecting America today. Luckily many different mortgage help programs have been established for homeowners in need of assistance. The first question you need to ask your self is "Do I want to keep my home?". Not every homeowner is looking to stay in their home. Changes in income or negative equity make owning a home difficult for millions of Americans.

Want out of your Home but Still Want to Avoid Foreclosure?

Homeowners that want to avoid foreclosure, but staying in their home is not an option may find relief via these options below.

Short Sale

A short sale is when you reach an agreement with your mortgage company to sell the home for less than the current amount you owe.

Deed in lieu of Foreclosure

A deed-in-lieu of foreclosure will allow the homeowner to transfer ownership of the property to the lender.

Want to Save your Home & Make Payments more Affordable?

Homeowners that want to save their home from foreclosure and make payments more affordable may find relief with these options below.

Repayment Plan

An agreement between you and your mortgage company that lets you pay the past due amount—added on to your current mortgage payments—over a specified time period to bring your mortgage current.

Forbearance Agreement

A forbearance agreement is an agreement between a borrower and the lender that will allow the homeowner to make up missed mortgage payments. If you are late on your mortgage because of a temporary situation then a forbearance agreement may provide relief

Mortgage Loan Modification

A mortgage loan modification is when a homeowner's mortgage is modified without actually refinancing. Terms of the current mortgage such as interest rate, payment amount, length of the loan and balance may be modified to keep the homeowner in their home.

What are the possible benefits of a mortgage modification?

  • You may be able to avoid foreclosure and save your home.
  • Your mortgage payment may be reduced to one you can afford.
  • Your interest rate may be lowered to reach an affordable payment.
  • You may be able to restructure late mortgage payments.
  • Your lender may reduce the principle balance.
Not everyone qualifies for a mortgage loan modification. Above are only possible steps a lender may make during the loan modification process.

There are many options for struggling homeowners. Get the facts from partners in our network and find the solution best for your situation. To get started please complete the short form above or call directly at 1-888-211-3778.

Mortgage Scam Tips

Get tips on how to avoid foreclosure rescue and mortgage scams sweeping the nation. Learn how to recognize the warning signs and where to report a scam if you have been a target.

Home Foreclosure Process

If you are facing foreclosure then understanding the foreclosure process is vital to keeping your home & avoiding foreclosure. The process may vary from state to state.

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The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the web-site is accurate and complete at the date first published, however you should recognize that information contained on this web-site may become out of date over time. Readers who have particular questions real estate financing or foreclosure, or who believe they require legal counsel, should seek the advice of an attorney. By submitting this contact request, you are consenting to be contacted by mortgage relief and loan modification services via phone, automated dialing system, text, SMS / MMS and / or email, even if you have previously listed yourself on any state or federal Do-Not-Call List. Please note that our company may receive compensation for that introduction.

IMPORTANT NOTICE: is not a mortgage assistance relief service or mortgage lender, and does not do refinances. is not a government sponsored website or program and not approved by your lender. This website is also not a non-profit, state or local government website. matches consumers with companies in our network that may offer mortgage relief and loan modification services. No particular result is guaranteed by engaging with partners in our network. Lenders may not agree to change a consumer's loan. To access information on government sponsored assistance, please visit There is no guarantee that you may qualify for a loan modification. We do not charge any upfront fees, partners in our network provide a no cost evaluation of your options. You will not be asked to transfer or surrender property titles nor will we offer to buy your house at a below-market price. You will not be asked to bypass the lender and make payments directly to the company or other third party. We do not encourage you to avoid contacting your lender, lawyer, credit counselor, or housing counselor. *Based on report from the HOPE NOW mortgage industry alliance which released loan modification statistical information for 2011, revealing that roughly 1.05 million American homeowners secured permanent, manageable loan modification agreements during that period.

IMPORTANT NOTICE: is not associated with the government, and our service is not approved by the
government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.