Government & Non-Profit Programs

Mortgage Assistance Programs:
Free Help for Struggling Homeowners

From the Homeowner Assistance Fund (HAF) to HUD counseling to state-specific programs — discover every mortgage relief program available to help you stay in your home. Most programs are free. Some provide direct financial assistance for past-due payments.

Find Available Programs Call Or Text 213-536-9372

Federal Mortgage Assistance Programs

Homeowner Assistance Fund (HAF)

The $10 billion federal program created under the American Rescue Plan Act provides direct financial assistance to homeowners. Each state administers its own HAF program with different rules, but generally HAF can help with:

Mortgage payment reinstatement (past-due payments)
Monthly mortgage payment assistance (up to 6-18 months)
Property tax delinquency assistance
Homeowners insurance payment assistance
HOA/Condo fee delinquency assistance
Utility payment assistance (in some states)

HAF funds are available through state housing finance agencies. Most programs are still accepting applications but funds are being depleted quickly. Apply now — don't wait until funds run out.

FHA Loss Mitigation Programs

FHA-HAMP (Home Affordable Modification Program) — Reduces monthly payment to 31% of gross income through rate reduction, term extension (up to 360 months), or partial claim.
COVID-19 Recovery Standalone Partial Claim — HUD pays past-due payments as a 0% interest subordinate loan. No monthly payment — repaid when you sell, refinance, or pay off the loan. Covers up to 25% of the unpaid principal balance.
Payment Supplement Partial Claim — For borrowers who can resume current payments. HUD provides a subordinate loan to cover arrears and reduce the monthly payment.
FHA Pre-Foreclosure Sale (PFS) — Short sale program with up to $3,000 relocation assistance. Full deficiency waiver.
FHA Deed-in-Lieu — Voluntarily transfer title to HUD. No deficiency. Must attempt short sale first for 90 days.

VA Mortgage Assistance

VA Servicing Purchase (VASP) — The VA buys the loan from the servicer and modifies it directly, reducing the rate to 2.5%. Designed to help veterans with COVID-related hardships.
VA Disaster Modification — Extends term to 480 months. Reduces rate. No appraisal or income verification required for disaster-related modifications.
VA Compromise Sale — Short sale program. VA may pay part of the deficiency to the lender. VA typically waives the remaining deficiency.
VA Refund Modification — Extends term, reduces rate, defers principal. Targets 31% front-end DTI ratio.
VA Forbearance — Up to 12 months for COVID-19. VA requires servicers to offer extended forbearance to affected veterans.

USDA Mortgage Assistance

Mortgage Recovery Advance (MRA) — USDA pays a portion of delinquent payments as a 0% interest subordinate lien. Repaid when the home is sold, refinanced, or the loan is paid off.
USDA Term Extension — Extends loan term to 480 months. No appraisal or income verification needed. Reduces monthly payment without changing interest rate.
USDA Payment Deferral — Moves delinquent payments to the end of the loan term. No interest accrues on deferred amount. Resume regular payments immediately.
USDA Special Loan Servicing — For borrowers who don't qualify for standard options. Customized plans based on individual circumstances.

Fannie Mae & Freddie Mac Programs

Flex Modification — Reduces payment by 20% through rate reduction, term extension to 480 months, and principal forbearance. Available for all Fannie/Freddie loans.
Payment Deferral — Moves delinquent payments to end of loan. No modification required. Resume current payment immediately. Fastest exit from forbearance.
Disaster Payment Deferral — For borrowers affected by natural disasters. Deferred amount is non-interest-bearing.
GSE Short Sale / Deed-in-Lieu — Full deficiency waiver standard. Relocation assistance available through some servicers.
Not sure if Fannie or Freddie owns your loan? — Check at Fannie Mae Loan Lookup or Freddie Mac Loan Lookup.

HUD-Approved Housing Counseling

HUD-certified housing counselors provide free foreclosure prevention counseling. They can help you understand your options, communicate with your servicer, and apply for assistance programs. All HUD-approved counseling is free or low-cost — you should never pay for foreclosure counseling.

Find a HUD-approved counselor by calling 1-800-569-4287 or visiting hud.gov/findacounselor. Or — contact us and we'll help you navigate the entire system, including HAF, FHA, VA, and all available programs.

Don't Navigate Dozens of Programs Alone

We know which programs you qualify for, which applications are still open, and how to maximize your chances of approval. Free consultation — no obligation.

Apply for Mortgage Assistance Call Or Text 213-536-9372