Home Owener Assistance

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About Help for Homeowners

We've helped thousands of homeowners get the home loan assistance they need. We may have a program that fits your particular situation. Find out if you qualify for a refinance, loan modification, or other home loan assistance.

If you're current on payments and have equity in your home, a refinance could help you take advantage of today's low interest rates.

A refinance could help you:

  • Lower your interest rate
  • Save on monthly interest payments
  • Change the term of the loan
  • Switch from an adjustable rate to a fixed rate
  • Consolidate debt

Want to learn more or apply?
Call us at 877 294 6754

Making Home Affordable Refinance

If you can't take advantage of a traditional refinance, you could qualify for refinancing through the Making Home Affordable program.

You could qualify for a Making Home Affordable refinance if:

  • You have a Fannie Mae or Freddie Mac mortgage loan on your primary residence, second home, or investment property. Please contact Fannie Mae at 1-800-7FANNIE or Freddie Mac at 1-800-FREDDIE if you are unsure.
  • You are current on your existing mortgage.
  • You are interested in a new fixed or adjustable loan at current low rates. Note: Refinancing fees may apply.

If you meet all of the guidelines above, call 800 606 0440 to talk to a loan agent about refinancing your mortgage.You can learn more about the federal government's Making Home Affordable programs at makinghomeaffordable.gov.

Making Home Affordable Program

If you're behind on payments, or having difficulty making your payments, you could qualify for a loan modification through the federal government's Making Home Affordable program.

You could qualify for a Making Home Affordable loan modification if:

  • You own and occupy your home as your primary residence.
  • You are either current, at risk of imminent default, or behind in your mortgage payments, or are in foreclosure or bankruptcy.
  • The unpaid principal balance of the first mortgage on your primary residence is $729,750 or less (loan limits are higher on owner-occupied multi unit properties).
  • You have verifiable source(s) of income to put towards a mortgage payment each month, even if that income has recently been reduced.
  • You can provide copies of your most recent tax returns and will sign an affidavit of financial hardship.
  • You have not previously modified your mortgage under the Making Home Affordable program.
  • Note: Mortgages on second homes, vacant homes, and investment properties are not eligible for modification under this program. However, we may have other programs that apply to these types of properties.

You can learn more about the federal government's Making Home Affordable programs at makinghomeaffordable.gov.

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Assistance through other programs

Your completed form will help us find a plan that fits your situation. You could qualify for a:

Repayment Plan

A repayment plan allows you to make a regular payment plus a portion of the amount past due each month over a period of months. This option is based on financial information you provide, and you may be required to make a deposit toward the amount past due.

Loan Modification

A loan modification might be a good option if you have a temporary reduction in income or an increase in expenses. An effective loan modification could lower your monthly mortgage payment and cure any delinquencies on the account.

{/slider}{slide=Home Affordable Foreclosure Alternatives (HAFA) short sale or Deed in Lieu} With the government's HAFA program, you could settle your mortgage debt and avoid foreclosure with either a HAFA short sale or a HAFA Deed in Lieu (DIL).{/slider}

Protect yourself

Protect yourself against foreclosure rescue scams

Loan modifications are free; there's no charge to you. Therefore, we urge you to beware of foreclosure rescue scams that charge a fee. Learn more about these scams at makinghomeaffordable.gov/beware.html.For valuable information about avoiding unnecessary foreclosures, the options available to you to help you keep your home, and how to avoid scams, contact the FDIC at 1-877-ASK-FDIC (1-877-275-3342) or go to fdic.gov/consumers/loans/prevention/index.html.

Contact Us

Contact us

Give us a call to discuss your options.
877 294 6754
Mon through Fri from 6 am to 10 pm CT or Sat from 8 am to 2 pm CTOr call 1-800-CALL-FHA to find a HUD-certified housing counseling agency. 



Mortgage Rates


30 Year Fixed conforming  no cost

5.990% 5.990%
15 Year Fixed Conforming  no cost 5.625% 5.625%
Super Jumbo to 2000,000   6.250% 6.371%
Hi Balance 30 Year Fixed   6.125% 6.125%
VA / FHA 30 Year Fixed  5.500% 5.722%

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Hotline : 877 294 6754