National Relief Program

Mortgage Relief Programs

Find authorized assistance for homeowners facing foreclosure, mortgage delinquency, or utility shut-offs. Explore the Homeowner Assistance Fund (HAF) and other foreclosure prevention options.

Homeowner Assistance Options

If you are struggling to make mortgage payments, immediate action is crucial. There are several federally regulated options designed to keep you in your home.

Homeowner Assistance Fund (HAF)

A federal program distributed by states to help catch up on missed mortgage payments, property taxes, and homeowners insurance.
Prevents foreclosure.
One-time reinstatement grants.

Mortgage Forbearance

A temporary agreement with your servicer to pause or reduce your monthly mortgage payments during a period of financial hardship.
Does not erase the debt.
Provides short-term relief.

Loan Modification

A permanent change to the terms of your mortgage loan to make payments more affordable, such as lowering the interest rate or extending the term.
Permanent payment reduction.
Must prove ability to pay new rate.

Avoid Mortgage Relief Scams

Foreclosure prevention scams are common. Protect yourself by remembering these rules:
Never pay a fee in exchange for counseling services or modification of a delinquent loan.
Never sign over the deed to your property to any organization or individual.
Legitimate help from HUD-approved housing counselors is free.
LEGAL DISCLAIMER
NationalReliefProgram.org does not offer or endorse any specific debt relief services. Our mission is to provide information and resources to empower you to make informed decisions.

NationalReliefProgram.org is a private organization and is not affiliated with any government agency.
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