Questions about a longer-term mortgage hardship

If a financial hardship may continue, discuss your situation with your mortgage servicer and a HUD-approved housing counselor. Ask which assistance options apply to your loan and what documents are needed.

Understand any proposed changes to the balance, payment, term and repayment obligations before agreeing. Outcomes and eligibility vary; do not rely on an old online checklist as a promise of assistance.

Find homeowner assistance resources.

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