Support for Homeowners
Whether you’re behind on your mortgage, considering refinancing, or thinking about purchasing a second home, you don’t have to navigate it alone. No matter where you are on your journey, HomeFree-USA provides expert guidance to help you understand your options, save money, and make informed decisions.
Support for Homeowners
Whether you’re behind on your mortgage, considering refinancing, or thinking about purchasing a second home, you don’t have to navigate it alone. No matter where you are on your journey, HomeFree-USA provides expert guidance to help you understand your options, save money, and make informed decisions.
Behind on Your Mortgage?
Falling behind on your mortgage can feel overwhelming, but there are options available. HomeFree-USA offers trusted, expert guidance to help you understand solutions like loan modifications, repayment plans, and other loss mitigation strategies—so you can take control and protect your home.
See the steps below to get started.
Ready to get started? Simple Steps:
Complete Your Intake
All information is confidential.
Tip: Have your mortgage statement and income documents nearby. Completing the form is faster and more accurate when your information is readily available.
Send Required Documents
• Valid photo ID (driver’s license, state ID, or passport)
• Most recent mortgage statement or lender correspondence
• Proof of income (pay stubs, benefits, or self-employment documents, 2-month bank statements)
• One recent utility bill in your name (all pages)
Sign up for the Experian CreditCenter®
Sign up onto the Experian Credit Center:
• Click on CREDIT REPORT • Click on PRINT REPORT - Save as a PDF
• Email PDF to documents@homefreeusa.org
If You Are Current on Your Mortgage...
HomeFree-USA helps lower your interest rate, shorten your mortgage term, or tap into your home equity.
HomeFree USA is not a mortgage lender. Make sure you understand the features associated with the program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. HomeFree-USA is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2021. Trade/service marks are the property of HomeFree-USA and/or its subsidiaries. Equal housing opportunity.
Success Stories
Frequently Asked Questions
We provide foreclosure prevention, budgeting support, refinancing guidance, and tools to build home equity.
Yes. Our experts can work with you and your lender to find options that help you avoid foreclosure.
Most of our services are low-cost or free, depending on the program and funding availability.
Absolutely. We support homeowners with money management, credit improvement, and long-term financial planning.
Simply visit our website or call us to schedule a counseling session with one of our housing experts.