Start Your FREE Evaluation Below


How many months are you behind on your mortgage?


I am current on my mortgage

1 month behind

2 months behind

3 or more months behind


What is your zip code?


or Call 1-888-404-8220


Can you answer "Yes" to any of these questions?

You may qualify for mortgage assistance programs serving your area. Learn how you may be able to modify negative equity, late payments & reduce your mortgage payment to one you can afford.

Are you behind on your mortgage & facing foreclosure?

Are your mortgage payments too high?

Stuck in a high rate mortgage & can't refinance?

Simply fill out the short from to the right to see if you are eligible. Get a brief overview of your options and ask questions about programs that may help you with your lender.

Why wait? If you prefer you can call us directly.

Lender Helpline 1-888-404-8220

Top three reasons homeowners fall behind on their mortgage payments includes high debt loans and loss of income.


Who are we and what we do to help?

We provide a safe and secure option for homeowners looking for a honest solution to their mortgage problems. After submitting your information or calling in you will receive an overview of programs available in your area. The initial consultation is free. You make one call and cut out the red tape that millions of homeowners are experiencing. We do not provide mortgage assistance directly and we are not affiliated with the government. We simply match you with the program that may be able to help you the best. We recommend you take time during your evaluation to collect the facts, do your research and determine what action is best for you and your family.

What option is best for me?

After completing our short form above or calling our helpline we will connect you with mortgage assistance programs serving your area. Based on your situation you may qualify for a principal balance reduction, a lower rate and / or a lower monthly mortgage payment. Not everyone qualifies. Qualification is based on many factors. Mortgage assistance consultants in our network may help get you approved and guide you in the right direction.

Struggling with high mortgage payments or the threat of home foreclosoure is a nightmare. The good news is that homeowners have options. Understanding those options is key to saving your home & making your home more affordable. Below we have a basic overview of options available to homeowners looking to avoid foreclosure and make their payments more affordable.

Loan Modification

One the most popular options for homeowners is a Loan Modification. A Loan Modification is when a mortgage note is modified or altered because of the homeowner's inability to pay the note. This is done with out actually refinancing, which plays a significant role since so many homeowners have credit issues and negative equity. Homeowners experiencing a financial hardship are more likely to get approved for a loan modification. Loan modifications typically involve a reduction in the principal balance, interest rate or an extension of the length of the term of the loan, or a combination of the three.

Other Alternatives to Foreclosure

Deed-in-Lieu of Foreclosure

In most cases if a home fails to be sold during a short sale the lender may consider a deed-in-lieu of foreclosure. A deed-in-lieu of foreclosure will allow the homeowner to transfer ownership of the property to the lender. The lender will sell the home and receive a portion or all of the balance you owe on the mortgage note.

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. If your trouble extends past a temporary situation then a forbearance agreement may just act as a band aid for a larger problem.

Repayment Plan

The most common way of resolving a loan default is to work out a plan (Repayment Plan) which will let you repay part of the delinquency each month, along with you regular monthly installment.  If your financial circumstances have stabilized this may be a great option. If you are still dealing with a hardship then this options may not work.


Bankruptcy cannot prevent foreclosure, but it can certainly delay it. Once you file, the court can enter a "stay" which would cease all collection actions, sales and foreclosures. The lender must then file for a motion to "lift the stay" and proceed with the foreclosure. This may give a homeowner time to save money to get current on their mortgage,find a place to rent or even sell the home with a short sale.

Short Sale

A short sale on a house is selling it for less than what is owed on the house. The sales price will be short of the mortgage balance. If the lender approves the short sale then the owner will not be responsible for the difference. While you are trying to sell the house you will be responsible for the mortgage and taxes.

Articles & More

Below we have a few articles that may help you with foreclosure, loan modification and mortgage questions you may have.

- Common Foreclosure Terms
- Loans to Avoid Foreclosure?
- The Foreclosure Process
- Plan & Save to Avoid Foreclosure
- Avoid Mortgage Scams

Why can't I just Refinance my Mortgage?

You may qualify for a refinance. If you think you are a good candidate for a refinance then contact your lender. Lenders and the government have made every attempt to create programs for homeowners needing to refinance with bad credit or negative equity. The issue is that some banks are not participating in programs established by the government and many homeowners just do not qualify due to income issues.

On the other hand some good news was announced on 10-24-2011 on A leading housing regulator on Monday announced changes to a government refinancing program that could help up to one million homeowners of the estimated 11 million whose homes are worth less than their mortgage. This program may help underwater homeowners refinance regardless of their LTV (Loan to Value).


This means homowners that are upside down on their mortgage may have options for locking in a lower mortgage payment and rate.

If you are a homeowner in need of a solution that may lower your payment, rate & put you back on track then contact our Lender Helpline or request an evaluation with the form above. Learn about every option available to you as a homeowner before programs expire.


Get your Free Mortgage Evaluation before Programs Expire. Call our Lender Helpline at 1-888-404-8220.


Find out if you qualify for bank of america, chase or wells fargo loan modification programs.


IMPORTANT NOTICE: This website is not associated with the government, and our service is not approved by the government or your lender.