Help Starts Here
Lender/Servicer Programs Designed To Help:
Contact your lender to see if you qualify for the U.S. Treasury's Making Home Affordable programs, the FHA's HOPE for Homeowners, or other available programs. You can find your lender's contact information on your mortgage statement or coupon book. Or click here for a list of servicers.
Making Home Affordable
This consumer website provides detailed information about the foreclosure prevention programs introduced by the Obama Administration, along with self-assessment tools and calculators to help you determine your eligibility for a refinance or modification under the Making Home Affordable program.
- Home Affordable Refinance
Enables homeowners with a solid payment history to take advantage of today’s lower mortgage rates or more favorable loan terms. - Home Affordable Modification
Helps at-risk homeowners reduce their monthly mortgage payments.
Prevents qualified homeowners from defaulting by refinancing their loans into affordable, fixed-rate mortgages.
First Step: Complete the Mortgage Options Assessment, which will help you assemble the information a lender or nonprofit will need to assist you.
Resources to Help
The following nonprofit organizations provide homeownership preservation and foreclosure assistance. Please visit their websites for full details of the assistance they provide.
HOPE NOW is an alliance between counselors, mortgage companies, investors, and other mortgage market participants. Since July 2007, HOPE NOW’s homeownership preservation and foreclosure prevention efforts have helped more than 1 million homeowners avoid foreclosure. Free counseling for homeowners is available through the Homeowner’s HOPE Hotline at 888-995-HOPE(4673).
Consumer Credit Counseling Service of San Francisco
Since 1969, the Consumer Credit Counseling Service of San Francisco has helped people balance life's financial demands by providing money management information and assistance.
Homeownership Preservation Foundation
The Homeownership Preservation Foundation (HPF) is an independent national nonprofit dedicated to helping distressed homeowners navigate financial challenges, avoid mortgage foreclosure, and find the path to sustainable homeownership.
Through its Homeowner’s HOPE™ Hotline, 888-995-HOPE™, HPF provides comprehensive homeowner education and foreclosure prevention counseling for free, 24 hours a day, 7 days a week, 365 days a year, in over 170 languages.
National CAPACD (National Coalition for Asian Pacific American Community Development)
The National Coalition for Asian Pacific American Community Development (National CAPACD) is the first national advocacy organization dedicated to addressing the housing, community and economic development needs of diverse and growing Asian American and Pacific Islander (AAPI) communities. National CAPACD is partnering with its network of member organizations and mortgage industry leaders, including Freddie Mac, NeighborWorks America and Countrywide, to ensure that AAPI communities know what to do about foreclosures in their neighborhoods.
National Foundation for Credit Counseling
Founded in 1951, the National Foundation for Credit Counseling (NFCC) represents the largest and most experienced network of more than 1,200 certified housing counselors, with more than 100 member agencies and nearly 850 offices in communities throughout the country. The NFCC network counsels more than 2 million people per year.
National Community Reinvestment Coalition
The NCRC is an association of more than 600 community-based organizations that promotes access to basic banking services, including credit and savings. Its members include community reinvestment organizations, community development corporations, local and state government agencies, faith-based institutions, community organizing and civil rights groups, minority and women-owned business associations, and local and social service providers from across the nation.
NeighborWorks America creates opportunities for people to live in affordable homes, improve their lives and strengthen their communities. NeighborWorks offers training courses, funding and resources for foreclosure mitigation counselors; conducts public outreach campaigns to reach struggling homeowners; and works with local leaders to create sustainable foreclosure intervention programs.
