Couple tackling debt

I've Received a Mortgage Modification

Post-Modification Coaching

Being a homeowner is a big commitment and you have worked hard to keep your home. Getting a mortgage modification is not easy and we commend your hard work and dedication.

We understand that your mortgage is just one part of your financial picture. You may have car payments, school loans, credit cards or other bills along with your mortgage. We want you to succeed in homeownership and we know that can only occur when all your financial obligations are in order. Our goal is ensure that you are in a healthy financial position for the long term.

Our post-modification coaches will work closely with you to enhance your skills and knowledge related to homeownership and overall finances now and in the future.

What is Post-Mod Coaching

Mortgage payments, paid on time. That’s the goal of every homeowner and our post-mortgage-modification coaching program is here to help you meet that goal.

Thanks to the many mortgage relief programs now in place, more homeowners are qualifying for modifications that are helping them stay in their homes. However in many cases, the issues that caused their trouble still exist. After you obtain a mortgage modification from your mortgage investor or servicer, our post-mod coaching is a free, financial education program designed to help you be successful with your loan modification while equipping you with the knowledge needed to make the right financial choices for the long term. Our coaches are certified housing counselors who offer their professional experience paid for by your mortgage investor or servicer. These coaches offer customized tips on how to reduce debt, create a household budget, and manage all of your expenses —not just your mortgage payments, but all of your financial obligations. They will also review your credit reports, enlighten you on what affects your credit score, offer referrals, and help you to create an action plan based on your financial goals.


You have the opportunity to participate in this free program because you have received a loan modification. The program is entirely free and completed on the phone at a time convenient for you. You will be assigned a coach who will work with you to create a customized plan that will help you meet your financial goals.  At the end of the program you will be armed with the skills and knowledge to successfully manage your home and finances. However, if you ever need additional help, your coach is just a phone call away.


Coaching is a client-driven process. We don’t tell you what to do—we help you execute on your plan. Your coach will encourage, motivate and hold you accountable to your commitments so that you can meet your goals. You and your coach will work together to develop an action plan reaching various financial goals which could be paying off debt or creating a savings plan.

What to Expect

Our post-modification program is designed to meet your needs. We will work with you on a step-by-step plan to help you meet your financial goals.

Your coach will help guide you down the path of financial stability. We will empower you to dream about your future and design a plan of action to reach your destiny. Success in this program will require some effort such as creating a budget, tracking expenses, and developing goals. But the time you spend in this could pay big dividends for your future as a homeowner.

While calls are personalized below is typically how you will progress thru the program. It’s held over the phone at a time convenient for you. After any call, you will get a detailed report along with tools and resources that will help you stay on track thru the program.

Here is how you will proceed through the program:

Create a Budget

  • Begin to develop an understanding of how your coach can support you in this process.
  • Review the reason for your financial hardship and review your modification terms.
  • If at any time you have questions about your mortgage your coach can facilitate a tri-party call with your servicer.
  • Engage in a holistic approach that will create a budget based on your debt and lifestyle.
  • Be introduced to budget tracking methods so you understand your finances.
  • Develop goals with your coach that are Specific, Measurable, Actionable, Results-focused and Time-bound (SMART).  These SMART goals will help you achieve long-term financial success.

Review Your Budget

  • Revise as needed.
  • Address any issue with the modification program.

Address Any Budget Issue

  • Evaluate your progress on SMART goals established during the previous session and develop strategies to address challenges that you may be facing in trying to reach your goal. Additional goals may be set if needed.
  • Discuss material from the financial education activities introduced from the previous session. This is an opportunity to ask questions!

Develop Ongoing Money Management Strategies

  • Commit to accomplishing identified SMART goals.
  • Celebrate your completion of the program.

How to Prepare for Your Session

Your post modification coach will be with you throughout the program. Prior to your first session you should:


This includes all information submitted to your bank and the modification agreement. Review the terms and conditions on your loan modification. If you have any questions, please write them down so that you can discuss with your coach during your first session.


In order to prepare a budget your coach will need to know all of your monthly expenses. Use this simple form to help you get started. You will also need to provide your coach with your monthly income.


Start thinking about 3–5 goals that you would want to accomplish during the program. They can be short-term (3–6 months) or long term (6 months or longer).


I am glad these programs and people exist, I don’t know what I would of done without them! Thank you!

I am thankful this coaching to the homeowners as a free service. It is good to learn there are lots of good information and advice out there provided by HPF.

I am very thankful for the HPF housing coaching program and my financial coach. I was already on the right track with figuring out my finances and mortgage situation but the personal contact with a financial coach helped keep me on that track. Having someone to talk to and answer my questions was comforting and I didn’t feel so alone in the situation. Thank you!

I want to thank your company for helping me through my trying times. You were there for me in so many ways, now I can say I am handling my bills and mortgage much better. I have found that I can survive on very little cash per day or even per month. With great thanks!!! Keep up the work.

Jasmine was my coach. She was professional, informative, knowledgeable, and compassionate. She was thorough and realistic; it may not have been what I wanted to hear but she genuinely worked to provide the best solution, with alternatives, for my particular situation. She also approached my emotional state with understanding, at the same time, not allowing it to sugar coat the situation. I was impressed with her interaction with me. THANK YOU JASMINE.

My coach explained everything in a nonjudgmental manner and I looked forward to our phone session. It has been wonderful to see my debt being reduced. Thank you so much for the help.

My coach was excellent! He was very supportive. He even mentioned that I was spending $300 a month on cigarettes and that I should consider a plan to stop smoking. I did and am now 4 months without a cigarette!

My coaches were very friendly and guided me in the right direction through websites. Discussions and were just easy to talk too. I would not hesitate to call them in the future.

My financial coach was professional and provided information/resources for me to obtain long-term goals in working within my budget, and eventually working on reducing my debt. I found my sessions with him to be informative and invaluable. Thank you!

My financial coach was very helpful and gracious during my time of need. She sure helped to pull me out of a very dark period in my life. Not much scarier than the thought of losing your home! Thanks again for all of your help.

Suzanne is truly a blessing. I enjoy working with her. She is very knowledgeable and has strong coaching skills. It was easy to develop a rapport with her. I didn’t feel that she was judgmental. I believe that she has a genuine interest in helping. I appreciate her holding me accountable for taking very specific actions steps within the next 30 days. I feel empowered! I have hope and am very encouraged.