Who to Contact for Help

If you need help to make your mortgage payments more affordable and sustainable, reach out to your lender to discuss your situation and available options. Your lender wants to help you, and the sooner you reach out for help, the better

Housing counselors can work with you on reaching out to your lender to get help with your mortgage. They can also provide you with budget and credit advice. Regardless of who owns your mortgage, housing counselors are available to assist you at little or no charge.

If your loan is owned by Freddie Mac and you’re struggling to make your mortgage payments on time, help is available – in person or over the phone.  HUD-certified counselors will help you understand your options, work with your lender, and provide you with holistic financial counseling.

In 2010, the government introduced Hardest Hit Funds to assist homeowners living areas that were hit hardest by the financial crisis.  These funds, managed by state Housing Finance Agencies, are intended to assist struggling homeowners facing home price declines and unemployment.