Here are just a few places you can research for Mortgage help:
1. Free Government-Backed Help (Start Here)
HUD-Approved Housing Counselors — Your #1 Resource
• Homeowners can work with HUD-approved housing counselors at no cost. These professionals don’t give out money, but they guide you step-by-step, help you create a plan, and communicate with your lender.
• Counselors can help with:
Consumer Financial Protection Bureau
Organizing finances
Understanding loan modification and foreclosure options
Talking with your mortgage servicer
Planning a long-term path to stay in your home
• How to find one: Visit the HUD housing counselor directory or call (800) 569-4287 to be connected with someone near you.
HUD
Tip for your audience: “Talk to the counselor before you talk to any private company that charges fees.”
2. Mortgage Assistance Programs
Homeowner Assistance Fund (HAF)
• A federal program created under the American Rescue Plan. It helps eligible homeowners pay:
Mortgage payments (current & past due)
Property taxes
Homeowners insurance
HOA fees and utilities in some states
• Eligibility depends on your location, your documented hardship, and whether your state still has funds available.
