Get information on available mortgage assistance programs, as well as instructions for writing a hardship letter.
If you're having trouble paying your mortgage, these non-profit organizations and government assistance programs could help.
Get advice and assistance on foreclosure alternatives, plus information about foreclosure-prevention events and seminars.Office of Homeownership Preservation
Find detailed information about financial stability programs and use tools and calculators to see if you're eligible for a loan modification or a refinance.Making Home Affordable
Hope Now's alliance of counselors, mortgage companies, investors and other mortgage industry participants work together to help homeowners stay in their homes.Hope Now
Get free counseling to help you avoid foreclosure through the Homeownership Preservation Foundation, a nonprofit organization. You can speak to a counselor at 1-888-995-HOPE or get more information atHomeownership Preservation Foundation
To receive information from HUD or 1 of its certified counseling agencies, call 1-800-569-4287 or visitDepartment of Housing and Urban Development
If you live in Washington State, you can speak with a counselor to help explore your financial options. Call the Washington Homeownership Information Hotline at 1-877-894-HOME or learn more atWashington Homeownership Information
A hardship letter, detailing your income, loan and finances, helps us evaluate your situation and what kind of support you need.
Loan number: XXXXXXXX
Borrower name: John Smith
Property address: 123 Maple Street, Anytown IL 55555-5555
In June of 2010, I lost my job. Over the months of July, August and September, I managed to make my monthly payment, though I struggled. When the interest rate increased on my adjustable loan, in spite of budgeting and cutting down on any unnecessary expenses, I was no longer able to make the payments.
I have recently been hired at another company with the same salary as that of my previous position. I would like to stay in my home if possible.
Please contact me at XXX-XXX-XXXX Mon-Fri 8:00 AM to 5:00 PM ET; or at YYY-YYY-YYYY anytime after 5:00 PM ET or on weekends.