Repayment Plan
For temporary hardship, a structured 12–36-month catch-up that keeps your original loan terms intact and protects your credit.
Credit-friendlyFree · Confidential · No upfront feesStay in your home.
Stay in your home.
We'll fight the bank for you.
When foreclosure threatens, every hour matters. Our HUD-certified counselors negotiate directly with your lender to lower payments, halt sale dates, and restore stability — without charging a dollar upfront.
HUD-Certified counselors
Since 2008 · 50 states
1-day response
Recognized & accredited by
HUDCFPBNeighborWorksBBB A+NFCC
What we do
A complete toolkit for every stage of hardship.
From a missed payment to a scheduled auction, we have the experience, lender relationships, and legal know-how to find the right path forward.
Foreclosure Halt
Sale date set? We move within hours — invoking servicing rules and legal channels to stop proceedings while we negotiate.
Time-criticalHardship Counseling
A clear, honest review of your income, loan, and lender — and a real plan forward. Sometimes guidance is the only thing missing.
Always freeShort Sale Support
When keeping the home isn't viable, an orderly short sale protects your credit far better than foreclosure — by 100+ points on average.
Soft landingA simple path
Three steps from crisis to clarity.
You don't need to be an expert. You just need to make the call.
01
Free Consultation
A 20-minute call with a certified counselor. We review your loan, your hardship, and every option available in your state.
02
We Negotiate
We prepare a complete hardship package and engage your servicer's loss-mitigation team — invoking federal protections where they apply.
03
You Keep Your Home
Modified terms take effect. We monitor the first 90 days and stay available long after — because stability isn't a one-time event.
10,400+
Homeowners we've kept in their homes
98%
Client satisfaction across all 50 states
$487
Average monthly payment reduction
17 yrs
Fighting for families since the 2008 crisis
Why families trust us
Not lawyers. Not the bank. Your advocates.
Zero upfront fees, ever
Our model is built on outcomes. If we can't help you, you owe us nothing — guaranteed in writing before we begin.
15,000+ cases of experience
Our negotiators have established working relationships with every major servicer in the country. They know our files. They take our calls.
Federally grounded strategy
We invoke CFPB rules, HAMP guidelines, and state-specific protections that lenders would prefer you didn't know existed.
Honest answers, every time
If your best path is something we don't do, we say so and point you to someone who does. No pressure, no upsell.
“
We were close to an auction. Within a week, the sale was postponed. Six months later, our payment was cut by $540 a month. They didn't just save our house — they saved our family.
MR
Maria R.
Common questions
Everything you might be asking right now.
If you don't see your situation here, just ask. The first conversation is free, and there's no script.
Talk to a counselorA permanent change to the terms of your existing mortgage — made with your lender's approval — to make payments sustainable. Unlike refinancing, it doesn't create a new loan. Common adjustments include a reduced interest rate, extended term, or deferred principal balance.
A modification may have a temporary 30–100-point impact, depending on how your servicer reports it. That is dramatically better than the alternative — foreclosure typically drops scores 100–150 points and stays on your record for seven years.
In most cases, yes. Under CFPB Regulation X, servicers generally cannot proceed with a sale while a complete loss-mitigation application is under review. We have stopped foreclosures with as little as 48 hours to spare — the earlier you call, the more options you have.
No. The consultation is genuinely free, and our fees are tied to results. In many states it is illegal to charge advance fees for foreclosure prevention work — be cautious of anyone who asks.
Most cases resolve within 60–120 days of submitting a complete package. We monitor your file proactively and follow up to prevent unnecessary delays. If a sale is imminent, we can usually secure a postponement while review is pending.
Submit the form above or call (888) 238-0086. A certified housing counselor responds within one business day. The first conversation is 20 minutes, completely free, and there is no obligation to proceed.
Don't wait
Every day you wait, options disappear.
Foreclosure timelines are unforgiving — but most of them are also reversible if you act now. A 20-minute call costs nothing and could change everything.