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. 

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. 

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.

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.

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.

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. 

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

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

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

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

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