When you're struggling with your mortgage, it can feel overwhelming and isolating. Mortgage Options Network exists to help connect you with professionals who understand your situation and may be able to help. Here's exactly how it works:
Complete the short form with basic information about your mortgage and current situation. It takes less than 60 seconds, there's no cost, and no obligation whatsoever.
Identifying your loan type is the first lever you can pull. You have the right to demand in writing who actually owns your loan — Fannie Mae, Freddie Mac, FHA, VA, USDA, or a private trust. The investor determines which programs you qualify for. Two FHA borrowers and two Fannie borrowers will not have the same menu of options, and the difference can mean keeping or losing the home.
See What Programs Apply to Your Situation
Free review. No obligation. Most reviews completed in minutes.
See My Options →Q: Do I have to commit to anything?
No. The review is informational. You decide what — if anything — to do next.
Your information is made available to mortgage relief professionals who specialize in helping homeowners in situations like yours. These are independent professionals who may be able to discuss options including loan modifications, forbearance, repayment plans, and more.
By the 36th day of delinquency your servicer is already required to attempt live contact about loss mitigation, and by day 45 they must send written notice listing examples of available options. If your servicer skipped either deadline, that is a documented violation that strengthens any later modification or appeal. A professional review can help you spot what your servicer should have done — and did not.
A mortgage relief professional who has reviewed your information may contact you by phone, text, or email to discuss your situation and what options may be available. There is no cost to submit your information. Any fees for services would be discussed directly with the professional who contacts you.
Once you submit a complete loss mitigation application, federal law starts a 30-day clock — the servicer must evaluate every program you may qualify for, and the foreclosure cannot move forward while that review is open. The exact options on the table depend on your investor: an FHA partial claim rolls arrears into a separate, interest-free junior lien, the FHA waterfall sequences modifications before foreclosure, VA borrowers rely on standard servicer obligations now that VASP has been terminated (May 1, 2025), and most conventional borrowers go through Fannie or Freddie Flex Modification.
Find Out Which Federal Protections You Qualify For
Free review. No obligation. Most reviews completed in minutes.
See My Options →Q: How long does the review take?
Most reviews are completed in minutes during business hours.
Mortgage Options Network connects homeowners with professionals who specialize in mortgage relief. We're not a lender or servicer — we're a resource for homeowners who need help finding the right path forward. For a step-by-step look at the full menu of options, see our mortgage relief guide.
We're a private service and are not affiliated with any government agency or federal program. The professionals who may contact you are independent specialists.
Every homeowner's situation is different. We can't guarantee that relief options will be available for your specific situation, but many homeowners are surprised to find that options do exist even when they feel out of options.
There's never a cost to submit your information through Mortgage Options Network. Any fees for mortgage relief services would be between you and the professional who assists you.
Mortgage relief professionals who contact you may charge fees for their services. Always understand what fees are involved before agreeing to any services.
As with any financial service, we encourage you to ask questions, understand the process, and feel comfortable before proceeding with any professional who contacts you.
You can opt out of communications at any time by contacting us at 855-789-9279 or emailing support@mortgageoptionsnetwork.com. We'll process your request promptly.
These protections come from federal regulations including 12 C.F.R. § 1024.36, § 1024.39, § 1024.41, 24 C.F.R. § 203.371, § 203.604, § 203.605, 38 C.F.R. § 36.4350 et seq., Fannie Mae Servicing Guide D2-3.2, and Freddie Mac Servicing Guide Chapter 9203.
Talk to a Professional Before Your Next Decision
Free review. No obligation. Most reviews completed in minutes.
See My Options →Q: Will I get a call right away?
Yes — independent mortgage relief professionals can typically reach out within minutes during business hours.
About Us: Mortgage Options Network, operated by Pipeline Harbor Digital LLC, connects homeowners with independent mortgage relief professionals who may be able to help. We are a service — we do not provide mortgage relief directly, and we do not charge consumers for submitting their information. Any professional who contacts you is independent; we encourage you to ask questions and feel comfortable before moving forward. This site does not provide legal or financial advice.