If you are behind on mortgage payments, struggling with an unaffordable payment, or unsure whether you can remain in the property, start by getting organized. Home Retention helps homeowners understand the available paths, prepare for servicer conversations, and identify the information needed for a realistic review.
Retention options may include loan modification or other loss-mitigation programs, hardship preparation, budgeting and affordability review, careful communication with the mortgage servicer, and informed follow-up after a denial or failed trial modification. Eligibility, terms, and results depend on the homeowner’s facts and the applicable servicer or investor rules.
Start the Homeowner Assessment with your property address, occupancy, servicer, balance, payment, delinquency, foreclosure status, prior modification attempts, hardship, income, estimated value, and—most importantly—whether you want to stay in the home or are considering leaving.
