Couple dealing with financial difficulties

I Can't Make a Mortgage Payment

When you call our Homeowner’s HOPE® Hotline at 888-995-HOPE (4673), our foreclosure prevention specialists will work with you to develop a comprehensive action plan specifically tailored to your unique financial circumstances. There are many, many reasons why homeowners get behind on their mortgages, from job losses and health crises to rising interest rates, victimization by fraudsters, and overwhelming debt loads to name a few. Regardless, we can help you get back on track. You just need to call us.

How many of these life events and budget situations sound familiar?

Can’t Catch Up on Payments

Our counselors can help develop a tailored plan of action

If you have been struggling to keep your mortgage paid on time and now fear foreclosure is looming, call our housing counselors at 888-995-HOPE (4673) for help. They can help you map out a budget and overall plan to reduce and responsibly manage your payment obligations. Stopping foreclosure can be challenging and will take work and financial discipline on your part, but most would argue it is worth the sacrifice and effort if it means finding a way to stay in your home.

Can’t Afford Rising Rates

Have an adjustable rate mortgage and can’t afford rising rates?

Having an adjustable rate mortgage (ARM) that you can no longer afford can make it difficult to manage your overall lifestyle and keep your home. However, there is help for homeowners in your situation.

The housing counselors at 888-995-HOPE (4673) can help you examine your budget and identify options available to you based on your specific situation. Whether adjusting your monthly budget or helping you contact your lender for loan modification options, our counselors can assist you in making every effort to avoid foreclosure on your home.

Job Loss

Unemployment doesn’t have to lead to foreclosure

Without question, losing your job is a stressful, traumatic event. Even though things may seem bleak given the unrelenting pressure of monthly bills, foreclosure is not what necessarily awaits – if you take the steps required to get ahead of the situation.

Even if your financial challenges seem insurmountable, there may be options available which can relieve some of the stress of your situation, and save your home. But you won’t know unless you call our housing counselors at 888-995-HOPE (4673).

Our counselors have helped thousands of people in similar circumstances identify and weigh their options, and we can help you, too. They can help educate you with the foreclosure process, develop a budget that works for your specific circumstances, intervene with your loan servicer to identify available loan modification options, and then create a plan to help you become current on your mortgage and avoid foreclosure. However, you must take the first step and make the call to 888-995-HOPE (4673).

Health Crisis


Nobody is immune to foreclosure actions, including people facing a health crisis. Regardless of your medical circumstances, if you do not repay the debt on your home as outlined on your loan agreement, your mortgage company can hold you in default of your loan and begin the foreclosure process.

If you are facing temporary unemployment due to an injury or are overwhelmed by unexpected medical bills, it is always best to speak with a counselor who can assist you with communicating with your lender about your circumstances. The sooner you contact us, the more options are likely available to you.

Our housing counselors have helped numerous homeowners work with their servicers to address solutions to health-related financial challenges. We can help you, too. This help is always free, and you can get started by calling the Homeowner’s HOPE Hotline at 888-995-HOPE (4673).

Mounting Debt Load

We can help you better manage your bills and your budget

We understand that there are many, many reasons why people run up their credit card bills, particularly in today’s difficult economy and tough job market. We’re not here to judge—we’re here to help. Thousands call us every day at 888-995-HOPE (4673) to get help untangling themselves from overwhelming debt loads. We can help set a practical and disciplined budget, determine additional options and ultimately get back on the road to financial help.


We’ll need your bankruptcy attorney’s consent to work with your mortgage servicer

If you’re currently in active bankruptcy, your bankruptcy attorney will need to indicate consent for you to attend a counseling session with a HOPE Hotline network counselor. We will send you a template letter for your attorney to sign. Once your attorney has signed, just give us a ring at 888-995-HOPE (4673).  We’ll get you connected with a certified counselor at a HUD-approved agency to help you explore your options.

Trying Unsuccessfully to Fix It Yourself

We can help where you have failed

Trying to prevent home foreclosure on your own can seem like a daunting task—because it is. If you have been struggling to figure out how to resolve your impending foreclosure and feel as if you’re out of options or are constantly getting the runaround from your lender, why continue the fight alone? Call us at 888-995-HOPE (4673). We know the various programs available to help homeowners avoid foreclosure, and can help facilitate effective communication with your current loan servicer to explore loan modification options.

A free foreclosure prevention counseling session will put you in contact with a trained and knowledgeable counselor who will review your circumstances, identify available options, and help you develop a comprehensive action plan in order to resolve your specific situation.

Underwater/Unable to Sell Due to Weak Housing Market

When selling is not an option, we can help you find alternatives

With the real estate market as weak as it is and housing prices down across the country 15 to 40 percent, millions of Americans currently find themselves underwater on their homes. In other words, the outstanding balance on their mortgage exceeds the market value of the home. If this is your situation and you are behind on your mortgage, we can help. Call 888-995-HOPE (4673) to get step-by-step assistance on how to get back on track. We can even talk with your lender to help you understand the options available to you.

Fear it’s Too Late for Help

Our counselors can help you find options that can replace fear with hope

Even if you’ve already received notice of the foreclosure auction date, it may not be too late. Our counselors have stopped foreclosures days before a home auction was to start. While we may not be able to do that for every homeowner every time, calling our counselors at 888-995-HOPE (4673) is the right next step toward a solution. We can help you better understand your financial health and create a responsible budget that will alleviate debt and get your back on your financial feet.

Additional Resources

Understand Mortgage Terminology

Here’s your guide to the legal words or phrases common in many mortgage contracts.