Mortgage Forbearance
Forbearance pauses or reduces payments temporarily; it does not automatically forgive them. Confirm repayment options and act before the period ends.
Guide collection
Payment Trouble, Rights and Help
Act early, document communications and use legitimate assistance when payments or servicing go wrong.
Mortgage Loan Modifications
A modification changes loan terms and may address an unaffordable payment, but eligibility, documentation and investor rules vary.
Mortgage Delinquency and Foreclosure
Contact the servicer early, understand state-specific foreclosure rules and document every assistance application and communication.
Preparing a Mortgage Assistance Application
Organize income, expenses, hardship information, occupancy, insurance and requested forms, then track whether the servicer considers the package complete.
Mortgage Servicer Errors and Information Requests
Use the servicer’s designated address and keep proof when sending a notice of error or request for information.
Mortgage Complaints and Escalation
Start with written records and the company’s escalation process, then consider the CFPB, state regulator, housing counselor or attorney as appropriate.
HUD-Approved Housing Counseling
HUD-certified counselors can provide independent education and help with buying, budgeting, default and foreclosure concerns.
Mortgage Relief and Foreclosure Scams
Treat upfront fees, guaranteed results, deed transfers, pressure to stop contacting the servicer and unusual payment methods as serious warnings.
Fair Lending and Mortgage Discrimination
Federal law prohibits certain credit discrimination. Preserve records and use official complaint channels if treatment appears unlawful.
Mortgage Help After a Disaster
Contact the servicer and insurer, document damage, protect the property and verify current federal, state and investor relief options.