Ask for help
Tell us where things stand. We will point you to real help.
A person reads every message and replies with the options that fit your situation and the free, official resources in your state.
What happens after you send this
We read it.
Messages that mention a scheduled sale date are answered first.
We write back.
You get plain information: your state’s timeline, the options to ask your servicer about, and who can help you for free.
You decide.
We never charge a fee, and we never ask for your loan number, Social Security number or deed.
Is a sale less than two weeks away?
Do not wait for an email. Call a free HUD-approved housing counselor now, and your state’s legal aid office.
(800) 569-4287Free, official, nationwide
Free help anywhere in the country
HUD-approved housing counselors
Free foreclosure prevention counseling from agencies approved by the U.S. Department of Housing and Urban Development. A counselor can review your budget and deal with your servicer alongside you.
(800) 569-4287CFPB: help for struggling homeowners
Plain-language guides from the Consumer Financial Protection Bureau, and a complaint form if your mortgage servicer is not following the rules.
Legal Services Corporation: find legal aid
Find the free civil legal aid office for your county if you have been served with a foreclosure lawsuit or given a sale date and cannot afford a lawyer.