Falling behind on a mortgage can be stressful and overwhelming. Many homeowners experience financial hardships at some point, whether due to job loss, medical expenses, rising living costs, or unexpected life changes. When this happens, knowing where to turn for help can make a big difference. That’s where mortgage assistance programs come in. Mortgage assistance [...]
Disclosure: The following story is a fictional example created for educational purposes. It is intended to illustrate common situations homeowners face and the options that may be available. Any resemblance to actual individuals is purely coincidental. Meet “David and Maria” – A Common Homeowner Story David and Maria bought their home eight years ago. Like [...]
Last updated: January 2026 A deed in lieu of foreclosure is one option for some homeowners explore when they are struggling to keep up with mortgage payments. If you’re facing financial hardship and worried about foreclosure, understanding how a deed in lieu of foreclosure works — along with its pros, cons, and alternatives — can [...]
Falling behind on mortgage payments can feel overwhelming. When foreclosure becomes a possibility, many homeowners don’t know where to turn or what steps to take first. The good news is that foreclosure is often a process, not an immediate event, and there are usually multiple options available to help stop or delay it. This guide [...]
If you’re behind on your mortgage (or worried you might fall behind), a loan modification may be one of the first options to explore. A modification is not the same as refinancing, and it’s not a “quick fix,” but for many homeowners it can provide a path to more affordable monthly payments and a chance [...]
Last Updated: February 2026 For many homeowners facing serious financial hardship, Chapter 13 bankruptcy can be a powerful legal tool. It offers a structured way to repay debt over time while protecting important assets—especially your home. Unlike Chapter 7 bankruptcy, which can involve liquidation of certain assets, Chapter 13 bankruptcy is designed around a repayment [...]
Homeownership has long been a symbol of stability and security in the United States. For millions of families, a home represents more than a place to live—it is the foundation of financial well-being and the center of daily life. Unfortunately, unexpected financial challenges such as job loss, medical expenses, or economic downturns can place that [...]