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Good News! Mortgage Help is Available

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.

Speak with an Advisor


Mortgage Help for Homeowners: Get the Support You Need!

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.

Speak with an Advisor
Avoid costly mortgage mistakes
Connect with your mortgage company for positive results
Find mortgage delinquency, forbearance, and loan modification programs
Sustain homeownership to stay in your home

If you are behind on your mortgage, HomeFree-USA can help you:

  • Communicate with your mortgage company more effectively

  • ​Understand and access relief options

  • Prevent foreclosure and relieve stress

Let’s work together to get back on track

GET STARTED NOW

The Process

1. Complete Homeowner Intake

Complete the intake, get your credit report and send your documents and get scheduled with your certified advisor

2. Connect With Your Servicer

Your Homeownership Advisor will help you reach a Mortgage Resolution with your servicer

3. Now You’re HomeFree

Stay connected with HomeFree-USA for all your homeownership needs

Ready to get started? Simple Steps:

Complete Your Intake

Your intake helps us understand your full financial picture.
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.
Fill Out Intake
1st Step

Send Required Documents

Review the checklist below and email all documents as PDFs to documents@homefreeusa.org. • Include your name in the subject line
• 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)
Send Documents
2nd Step

Sign up for the Experian CreditCenter®

Reviewing your credit helps the Homeownership Advisor build a personalized strategy tailored to your goals.
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
Get Credit Report
3rd Step

Mortgage Help FAQs

What should I do if I'm struggling to make my mortgage payments?

If you’re facing difficulties with your mortgage payments, contact HomeFree-USA. Our Homeownership Advisors can guide you. You’ll also want to contact your mortgage servicer or lender immediately to explain your situation and inquire about available options. 

What assistance programs are available for mortgage payment problems?

Several assistance programs are available, depending on your circumstances. These may include loan modification, forbearance, and state or federal assistance programs. A Homeownership Advisor can help you identify programs for your particular situation. 

How do I know if I'm eligible for mortgage assistance programs?

Eligibility criteria vary by program, but they often consider factors like income, hardship reasons, and the type of loan you have. It’s essential to review the specific requirements for each program or consult a Homeownership Advisor for guidance.

What is loan modification, and how can it help me?

Loan modification involves making permanent changes to your mortgage terms to make payments more manageable. This could include reducing the interest rate, extending the loan term, or even forgiving a portion of the principal balance.

What is forbearance, and how does it work?

Forbearance allows you to temporarily pause or reduce your mortgage payments. The missed payments are typically added to the end of your loan term or handled through a repayment plan, depending on the terms agreed upon with your lender.

Can I apply for assistance if I'm already behind on my mortgage payments?

You may be able to apply for assistance programs if you’re behind on payments. Many programs are designed to help homeowners who are delinquent on their mortgages. Contact a Homeownership Advisor to discuss your options. 

What mortgage help for homeowners does HomeFree-USA offer?

We assist with loan modifications, refinancing, budgeting, and foreclosure prevention to keep you in your home.

Can I get help if I’ve already missed a mortgage payment?

Yes, the earlier you reach out, the better. Our experts work quickly to find solutions before issues escalate.

Do I need to pay for mortgage help services?

Most of our services are free or low-cost, depending on funding and your specific needs.

Can you help negotiate with my lender?

Yes. Our certified counselors can communicate with your lender on your behalf to explore viable mortgage options.

Is this mortgage help available for all homeowners?

We primarily assist low- to moderate-income homeowners but encourage all to reach out for a consultation.

Testimonials

“I was laid off during the pandemic and I was going through a whole lot of stress just trying to stay afloat. I heard about HomeFree-USA back in 2006 when my husband transitioned. I called HomeFree-USA and spoke with Housing Advisor Gary Plummer. He helped me make a case with my servicer for a modification, and guided me through the entire process. My loan was approved and I was able to rebuild my life in my home."
Janet