If you're a homeowner struggling with your mortgage, you're not alone. Millions of Americans face mortgage challenges every year — and many don't realize that options may be available to help them keep their home. Here are the situations where mortgage relief professionals may be able to help:
Whether you're one month behind or several, falling behind on your mortgage is one of the most stressful situations a homeowner can face. You may feel like the situation is out of control — but the earlier you act, the more options are likely available to you.
Mortgage relief professionals who specialize in this situation may be able to discuss options including loan modifications, repayment plans, forbearance agreements, and reinstatement. A specialist may be able to help you find a path forward that works for your specific circumstances.
Receiving a Notice of Default or foreclosure notice is frightening — but it doesn't necessarily mean it's too late. Even after formal foreclosure proceedings begin, options may still be available to help you keep your home or find a better outcome.
Mortgage relief specialists who work with homeowners in foreclosure may be able to discuss options such as loan modifications, reinstatement, repayment plans, and other loss mitigation tools. Time matters in these situations, so reaching out sooner may give you more options to work with.
Life can change quickly — a job loss, medical emergency, divorce, or reduction in income can make a mortgage that was once manageable feel impossible to keep up with. If you've experienced a hardship like this, you're not alone, and options may be available.
Mortgage relief professionals who understand hardship situations may be able to help you explore options like loan modifications, forbearance, and repayment plans. A specialist may be able to guide you on what documentation is typically needed and what options may fit your situation.
Sometimes the problem isn't falling behind — it's that your payment is taking up too much of your income each month, leaving little room for anything else. If your mortgage has become unmanageable, you don't have to wait until you miss a payment to ask for help.
Mortgage relief specialists may be able to discuss options like loan modifications designed to reduce your monthly payment before you fall behind. Proactive relief may be available, and a specialist may be able to help you understand what options may fit your situation.
If you have an adjustable-rate mortgage (ARM) and your rate has adjusted upward, you may be facing a payment that's significantly higher than what you originally signed up for. This can feel like being caught off guard, and it's a situation where professional guidance may make a real difference.
Options may include converting your ARM to a fixed-rate loan, modifying your interest rate, or extending your loan term to bring your payment down to something more manageable. A specialist may be able to help you understand which options may be available based on your loan type and servicer.
Being underwater — owing more than your home is worth — can feel like you're stuck with no good options. Refinancing typically isn't available in this situation, but that doesn't mean there's nothing that can be done.
Mortgage relief specialists may be able to discuss options like loan modifications with principal deferral, short sales, or other alternatives that may help you find a path forward without going through a full foreclosure. A specialist may be able to explain what options may be available for your specific loan and situation.
If you own a mobile home or manufactured home and you're struggling with your mortgage, help may be available. Mobile home situations can be unique depending on how your home is titled and how your loan is structured — but that doesn't mean relief options aren't possible.
Mortgage relief specialists with experience in manufactured housing may be able to discuss options suited to your specific situation. Our form includes a field to indicate if your property is a mobile home, so a specialist who reaches out will already be aware of your circumstances.
If you're self-employed, a freelancer, or have variable income, you may worry that your situation is too complicated to get help with. It's true that documenting income can be more involved — but the relief options that may be available to you are generally the same as those available to W-2 employees.
A mortgage relief specialist who works with self-employed borrowers may be able to guide you on what documentation is typically required — things like tax returns, profit and loss statements, and bank statements — and what options may be available for your situation.
* Independent mortgage relief professionals who may contact you following your inquiry could be able to discuss options relevant to your situation. Results vary based on individual circumstances.
Mortgage relief professionals may reach out to discuss your specific situation at no cost to you for the submission.
Find Out What Options May Be Available for Your Situation — It's FreeAbout 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.