Can't Make a Mortgage Payment?

When you call the Homeowner’s HOPE® Hotline at 888-995-HOPE (4673), foreclosure prevention specialists work with you to develop a comprehensive action plan specifically tailored to your unique financial circumstances. Many homeowners become financially stressed due to job losses, health crises, rising interest rates, victimization by fraudsters, overwhelming debt loads or other unexpected changes.

Do any of these budget situations sound familiar?

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Catch Up On Payments

Expert counselors work with you to develop a tailored plan of action. If you have been having difficulty paying your mortgage on time and foreclosure is possible, housing counselors are ready to help. They’ll work with you to map your best path forward, reviewing your budget to create an overall plan to reduce and responsibly manage your payment obligations.

Manage Rising Interest Rates

When an adjustable rate mortgage (ARM) interest changes over the course of the mortgage, people are successful when they understand the best options to manage payments as they rise each month. Our team provides guidance to homeowners in your situation.

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

Working Through Bankruptcy

Know the options as you work through bankruptcy proceedings. 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, call us at 888-995-HOPE. We’ll get you connected with a certified counselor at a HUD-approved agency to help you explore your options.

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Managing Debt

There are many reasons why people need options to manage credit card bills. We work with people every day to help clients untangle themselves from debt. We can help you set a practical and disciplined budget, determine additional options available and ultimately get you back on the road to financial health.

Feeling Hope

Our counselors share options that provide hope. Even if you’ve already received a notice of a foreclosure auction date, there is still a plan that can work. Calling our counselors at 888-995-HOPE (4673) is the path to a hopeful solution. We can help you better understand your financial health and position and get you back on your financial feet.

Alternatives to Selling

If selling is not an option, people are successful when they understand the alternatives. We work with people whose outstanding balance on their mortgage exceeds the market value of the home. If this is your situation and you want to understand your next best steps, we can help. We can even talk with your lender to help you understand the options available to you.

Get Help with 995Hope

Get Help with 995Hope

Call 888-995-4673. You’re Not Alone.

Trying to prevent home foreclosure is less stressful when you team with a trusted resource. Learn about programs available to help homeowners avoid foreclosure. Let’s work together to facilitate effective communication with your current loan servicer to explore all of your 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.

Facing Health Challenges

Please note that medical issues do not exempt people from foreclosure. Knowing your options will set you up for success.  If you are facing temporary unemployment due to an injury or are overwhelmed by unexpected medical bills, 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 available to you.

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

Changes in Income

Unemployment or changes in income can be managed. People who successfully avoid foreclosure start with a plan.  Even with financial challenges, there may be options available which can relieve some of the stress of your situation, and save your home.

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.