6 Assistance Programs
Homeowner Assistance Programs
Before a foreclosure completes, most homeowners still have a workout option. These are the federal and state programs that can pay arrears, modify a loan, or defer what is owed.
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Payment Relief & Modification
Programs that change the terms of the loan to bring a delinquent mortgage current.
Flex Modification
The standard Fannie Mae / Freddie Mac modification for a delinquent conventional loan — capitalizes arrears and targets a 20% payment reduction.FHA-HAMP / FHA Loss Mitigation
The FHA's modification and partial claim path, which can defer arrears as a junior lien rather than requiring them up front.USDA Special Loan Servicing
Loss mitigation for USDA-guaranteed rural loans, including moratorium and modification options.Financial Assistance & Refunds
Direct assistance with arrears, and money owed back to the servicemember or borrower.
Homeowner Assistance Fund (HAF)
The federal pandemic-era fund administered by states to pay mortgage arrears and related costs for qualifying homeowners.State Mortgage Assistance Programs
State-level housing finance agency programs that provide grants, loans, and counseling to homeowners in default.VA Refund
A refund of the VA funding fee for eligible veterans with a service-connected disability rating.Also see
Programs work best alongside a defense — not instead of one.
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