KEEP YOUR HOME

Understand Your Options to Stay

Falling behind on payments doesn’t mean it’s over. Whether it’s negotiating with your lender, refinancing, or using legal strategies, there are several ways to keep your home.

3 Ways To Keep Your Home

  • Loan Modification

    It may be possible to negotiate new terms with your lender — lower payments, extended timelines, or reduced interest.

  • Forbearance Plans

    Pause or reduce your payments for a set time while you get back on track.

  • Legal & Mediation Help

    Explore court-based options or nonprofit mediation programs that may protect your home temporarily or long-term.
profile shot of stake of paperwork divided with colorful paperclips on an office table

Who This Is For

  • You're behind on mortgage payments but want to keep your home.
  • You've experienced a temporary hardship like job loss, illness, or divorce.
  • You need a resource to help you in the right direction
close up of house keys dangling from house's front door

What to Expect

  1. Free 10-min Call. No pressure. Just a real conversation about your situation.
  2. Explore Solutions. We explain which options may be available - based on your lender, situation, and finances.
  3. Take Control. You move forward with clarity and a plan. We help you find the resources you need.

FAQs: Keep Your Home

Will asking for help hurt my credit?

Asking for help doesn’t damage your credit. Falling further behind might. Programs like forbearance and modification are designed to protect your credit when used properly.

Am I eligible for a Loan Modification?

Each lender determines the requirements to be eligible for a loan modification. Typically, you must meet a set of criteria that demonstrate financial hardship and an inability to continue making your current mortgage payments, but enough income to make modified payments.

How long does a modification take?

It varies, but most take 30–90 days. We help ensure your documents are accurate and complete, which reduces delays.

What if I’ve already received a foreclosure notice?

You may still have time. Depending on your state and how far along the process is, foreclosure can often be stopped or delayed with the right plan.

Term: Loan Modification

A loan modification changes the terms of your existing mortgage. That might include reducing your interest rate, extending your loan term, or adding missed payments to the end of your loan.

Term: Forbearance

A short-term suspension or reduction of mortgage payments due to hardship.

Term: Reinstatement

Paying the full amount you're behind to bring your loan current.

Term: Hardship Letter

A written explanation to your lender describing why you're behind on payments and how you plan to resolve it.

Term: Loss Mitigation

The process lenders use to work with borrowers to avoid foreclosure.

Term: Notice of Default (NOD)

A formal notice from your lender that you’re behind and foreclosure proceedings may begin.

Staying Might Be Simpler Than You Think

You may have options to keep your home. The sooner you start the process, the more options you have.

Let's Talk It Out