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Government Programs

In recent years, a number of programs have been created to help homeowners in distress modify and refinance their mortgages. In some cases foreclosure forbearance and payment assistance may be available.



If you would like to refinance and take advantage of lower interest rates or change the other terms of your loan, but don’t think you can (or haven’t been able to) qualify, you may be eligible for the government’s Home Affordable Refinance Program (HARP). More

Hardest Hit Fund (HHF)

The Hardest Hit Fund offers innovative measures to help families stay in their homes or otherwise avoid foreclosure in states that have been hit hard by concentrated economic distress. More

Military Options

If you’re a service member struggling with your mortgage payment, you may qualify for a special military hardship. Additionally, military service members have protection against foreclosure for 9 months following termination of active duty. More

Military Forbearance

If you’re facing a financial hardship due to injury (or injury of a spouse) in active duty or have been affected by a call-up of the National Guard or other state-supported military unit, a military forbearance may be an option. More

Neighborhood Stabilization Program

Many state and local housing authorities offer financing programs that can assist you with the down payment and purchase of your new home. The government’s Neighborhood Stabilization Program (NSP), provides homebuyer funds through special financing programs. More

Beware of Scams

Learn how to identify and avoid scam artists who promise immediate relief from foreclosure.

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Find the answers to common questions concerning your mortgage and the various options to avoid foreclosure.

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Visit our glossary of key terms to increase your understanding of the foreclosure options available.

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