Homeowners & Renter Relief

COVID-era mortgage forbearance relief and renter protection programs are set to end in the upcoming months.

Even if the federal government extends the relief programs, it’s key to understand how to get back on track with your monthly mortgage or rent payments.

Depending on how challenging the financial situation, it can be confusing to understand the available options that could help you keep in your home.

You are not alone. Homeowners and renters facing financial challenges are more successful in figuring out their next steps when they fully understand their options.

Our HUD-certified counselors begin the conversation talking through where you are today, and what you need to accomplish your goals.

Alternatives to Foreclosure

Facing foreclosure when relief programs end? There are other options for you to consider. Read about your options, and learn about how trusted counselors guide you through a process to assess your financial situation, address your specific situation, and create an action plan as an alternative to foreclosure.

About Alternatives to Foreclosure ›

Foreclosure Prevention

After taking advantage of forbearance relief programs, managing your financial situation can be a challenging task when you manage it alone. If you anticipate having trouble making your house payment, our trusted counselors are ready to talk. Learn about the steps to take to get back on track with our foreclosure prevention counseling.

About Alternatives to Foreclosure ›

Watch for Scams

If it sounds too good to be true, especially during a financial crisis, it probably is. Watch out for any company that offers a “quick fix” as relief programs come to an end. No organization can promise or guarantee modification of a loan or prevention of foreclosure other than your servicer. Read about what to look for when it comes to scams.

Foreclosure Prevention Scams ›

Ready to Serve

Since the years of the Great Recession, we stand ready to serve the needs of consumers under financial stress through the HOPE™ Hotline. You can have confidence of the trusted information that puts them on the path of sustainable housing financial health.

Working one-on-one with homeowners and renters, you receive free, confidential and comprehensive financial and foreclosure prevention education through our national Homeowner’s HOPE™ hotline – 1-888-995-HOPE™ (4673). We’re ready to speak with you during extended, convenient hours that meet your needs. We’re ready to assist consumers in more than 200 languages.

Get options and a comprehensive approach to financial well-being, which includes advice on budgeting, homeownership vs. renting, loan products and support with long-term financial stability.