Every Program, Every Option
We research and leverage all available government programs, state funds, and alternative financing options to help you reinstate your loan and lower your payments — without the burden of Chapter 13 Bankruptcy.
Response within 24 hours
Every Program, Every Option
We research and leverage all available government programs, state funds, and alternative financing options to help you reinstate your loan and lower your payments — without the burden of Chapter 13 Bankruptcy.
State Grants & Funds
Government Assistance
Many states offer emergency assistance programs to help homeowners facing foreclosure. These grants can provide funds to bring your loan current, cover past due amounts, or provide temporary payment assistance.
- Emergency mortgage assistance
- State-specific programs
- Up to $50,000 in some states
- Grants that don't need to be repaid
We help identify which state programs you qualify for and assist with the application process.
HUD Payment Supplement
Federal Program
The HUD Payment Supplement Program provides additional assistance to homeowners with FHA loans who are struggling to make payments. This can reduce your payment to an affordable level.
- For FHA loan holders
- Reduces payment to 31% of income
- Partially forgivable
- Can combine with modification
We help determine if you qualify and guide you through the HUD application process.
Partial Lien Program
Loan Structure Solution
The Partial Lien Program allows homeowners to bring their loan current by paying a portion of the past due amount, with the remaining balance structured as a non-interest-bearing subordinate lien.
- Pay only part of past dues
- Remaining balance deferred
- No interest on deferred amount
- Due when home is sold/refinanced
We negotiate with your lender to structure a partial lien that works for your situation.
Reinstatement Loans
Bridge Financing
A reinstatement loan provides the funds needed to bring your mortgage current in one lump sum. This bridges the gap between your current situation and getting back on track with your lender.
- One payment to bring loan current
- Pay off all past due amounts
- Fixed interest rates
- Resume normal mortgage payments
We connect you with lenders who offer reinstatement loans tailored to your needs.
Hard Money Second Loans
When traditional financing isn't available, hard money second loans can provide the funds you need to get back on track. These short-term loans are based on your home's equity rather than your credit score.
How Hard Money Seconds Work
- 1
Use Home Equity
Loans are based on 65-75% of your home's current value minus what you owe.
- 2
Quick Approval
Less documentation than traditional loans. Approval in days, not weeks.
- 3
Bring Loan Current
Use funds to pay off past dues and reinstate your mortgage.
Pro Tip: Once your loan is reinstated and you've built equity, you can refinance into a traditional loan at better rates.
Avoid Chapter 13 Bankruptcy
Chapter 13 Bankruptcy requires a 3-5 year repayment plan, court oversight, and significant impact on your credit. Our programs offer a better path forward.
Chapter 13 Bankruptcy
- —3-5 year repayment plan required
- —Court supervision and trustee
- —Stays on credit for 7 years
- —Attorney fees of $5,000+
- —May still lose home
Our Financial Programs
- +Immediate solution, no years-long plan
- +Keep control of your finances
- +Less impact on credit
- +No court involvement
- +Keep your home with affordable payments
Find the Right Program for Your Situation
Every homeowner's situation is different. We review your circumstances and identify every program and option available to help you get back on track — without the burden of bankruptcy.
- Free review of your situation
- Identify all eligible programs
- Guide you through applications
- Connect you with lenders if needed
State Grants
Up to $50,000
HUD Supplements
31% of income
Partial Lien
Deferred balance
Hard Money
Based on equity
How We Help You Apply
The application process for mortgage relief programs can be overwhelming. We handle the heavy lifting so you don't have to.
Program Eligibility Screening
We review your financial situation, loan type, state of residence, and hardship circumstances to identify every program you qualify for — federal, state, and local.
Document Collection & Preparation
We provide a clear checklist of required documents, help you gather everything needed, and prepare a complete, organized application package for each program.
Application Submission & Tracking
We submit your applications through the correct channels — state HAF portals, servicer loss mitigation departments, or HUD counseling agencies — and track each one through the review process.
Follow-Up & Appeals
If an application stalls, we follow up. If it's denied, we identify the reason, correct any issues, and resubmit. Many initial denials are overturned on appeal when properly addressed.
Frequently Asked Questions
Common questions about mortgage relief and financial assistance programs.
Not Sure What Programs You Qualify For?
We'll review your situation and identify every financial assistance option available to you.
Available Monday–Friday · 10:00 AM – 6:00 PM Pacific
Get Your Free Full Case Review
Tell us about your situation — our senior legal team will review every detail and contact you within 24 hours with a tailored plan. No obligation. 100% confidential.
Submit Your Information
Tell us about your situation in complete confidence.
Case Analysis
Our legal team reviews your documents and foreclosure status.
Receive Your Strategy
We outline your best options and recommended path forward.
We Get to Work
Your dedicated team begins protecting your home and rights.