By learning the mortgage foreclosure process, you’ll better understand your options on how to stop foreclosure, avoid it or make it through with your dignity and finances still intact.

If your bank has denied your loan mod, you may be eligible for foreclosure alternative programs and government aid (HAFA).

Appraise your unique situation, understand your options, get an action plan and learn how to talk to your lender.

Talk to experienced, nonprofit foreclosure experts from a HUD-approved agency – get guidance and all your questions answered free of charge.

Depending on your situation, you might look into: repayment plans, forbearance, loan modification, short sale, deed in lieu, cash for keys, bankruptcy, safe haven and more…

Housing discrimination affects people of every race, ethnicity, national origin, and religion. If you have been trying to buy or rent a home or apartment and you believe your civil rights have been violated, you can report the discrimination.

Find out what government mortgage relief programs are available to troubled homeowners.

This website is a free service provided by credit.org, a nonprofit company, serving the community and helping people like you since 1974. Funding comes from public and private grants, therefore all foreclosure services on this site are completely free of charge.