Falling behind on your mortgage doesn’t mean that it’s too late.

People fall behind on their mortgages for a variety of reasons, you still have options if you find yourself in this position. Review our tips to help if you are behind on your mortgage and contact HOME for assistance. We work with lenders throughout the country to try and keep you from losing your home. Most lenders rely on our recommendation that you are willing to do what is necessary to bring your loan current. Our counselors help you identify your options, and create a plan that your lender might agree to.

Sometimes, the threat of foreclosure becomes a reality. We’ll help you to plan your next steps, ensuring that you’re in the best position to buy your next home when your situation improves.

If you are currently behind on your mortgage or expect to have problems paying your mortgage and would like a HUD-certified housing counselor to assess your situation and recommend options, download our intake forms to expedite our help to you. If you do not have access to a printer, please contact us to have the intake forms mailed to you.


Don’t let anyone take advantage of you! Always read and understand everything before you sign documents or pay any money! Look for these red flags:

  • A person or organization that asks you to pay a fee for counseling or loan modification.
  • Anyone who says they can “save” your home if you simply sign it over to them.
  • Suggesting that you make payments to anyone other than your mortgage company without that company’s approval.

When in doubt, walk away!

Suspect someone is trying to take advantage of you? Find out how to recognize a loan scam and how to get help