Say what happened, how far behind you are (or when you will be), who your servicer is, and what kind of loan it is if you know. In a few seconds you get the options in order, what each one does to the loan, how much time Florida's process gives you, and the letter to send this week. No account. Nothing stored.
Free — takes 40 seconds
What happened and whether it's temporary or permanent, how many payments missed, the servicer, the loan type if you know it (FHA, VA, USDA, conventional), the payment, and whether you've received any letters.
Why this exists
Most homes are lost in the silence between the first missed payment and the first letter back. A repayment plan, a forbearance, a partial claim, a modification — each exists for exactly your situation, each has a federal rule behind it, and a free counselor can get you there. This tells you which to ask for and writes the letter.
How it works
The hardship, how far behind, the servicer, the loan type. Nothing is saved.
In the order that protects the house, with the federal and Florida timelines — in English or Spanish.
The hardship letter, the script, the application checklist and the call log, in the full version.
Plans
The free version tells you the options and the timeline. The pack writes the hardship letter, the script, the complete-application checklist, the budget worksheet and the call log — the things a counselor would help you build.
Every renter and homeowner tool, one membership — leases, deposits, repairs, HOA notices, mortgage hardship, home-warranty fights, AC and lawn quote checks.
All prices in USD, handled by Stripe. The options and the timeline never go behind a paywall. HUD counseling is always free.
Common questions
Under federal servicing rules a servicer generally can't start foreclosure until you're more than 120 days behind, and must tell you your options by day 45 (CFPB — Mortgage servicing rules). In Florida the lender must then sue you in court, and you have 20 days from being served to file an answer (Fla. Stat. ch. 702 — Foreclosure). The process usually takes months, but this tool can't promise an exact timeline for your case. Call a HUD counselor or Florida legal aid to get dates specific to you — this is not legal advice.
It depends on your loan type: FHA loans generally offer forbearance, a repayment plan, modification, or the Partial Claim (HUD — FHA loss mitigation); VA, USDA, and conventional loans have their own similar menus. These are listed 'as currently published' — a HUD-approved counselor or your servicer will confirm which ones apply to you today. This is not financial advice, and program terms change.
The first look is free — you type your situation and loan and get the options, the Florida timeline, and a hardship letter, with no account and nothing stored. If you want the full loss-mitigation pack for one loan it's $9, or $99 a month for ongoing help finding counselors, legal aid, and church assistance. Nothing you paste is saved anywhere.
No — never stop paying, sign over your deed, or pay money up front to a company promising to fix your mortgage. Companies that charge fees before getting you a modification are breaking federal law (FTC — Mortgage relief scams), and HUD-approved housing counselors do the same work for free at 1-800-569-4287 (HUD — Find a housing counselor).
In Florida you have only 20 days from being served to file a written answer in court — missing that deadline can cost you the case (Fla. Stat. ch. 702 — Foreclosure). Florida also offers free foreclosure defense for homeowners who qualify, by county (FloridaLawHelp.org). Contact a HUD counselor and legal aid right away; this tool is not a lawyer and can be wrong.
Según las reglas federales de servicio hipotecario, el prestamista generalmente no puede iniciar la ejecución hipotecaria hasta que usted lleve más de 120 días de atraso, y debe informarle sus opciones antes del día 45 (CFPB — Reglas de servicio hipotecario). En la Florida, el prestamista debe entonces demandarlo en un tribunal, y usted tiene 20 días desde que le notifiquen para presentar su respuesta (Fla. Stat. cap. 702 — Ejecución hipotecaria). El proceso suele tardar varios meses, pero esta herramienta no puede prometerle un plazo exacto para su caso. Llame a un consejero certificado por HUD o a asistencia legal de la Florida para conocer las fechas específicas de su situación — esto no es asesoría legal.
Depende del tipo de préstamo: los préstamos FHA generalmente ofrecen tolerancia (forbearance), plan de pagos, modificación o el Partial Claim (HUD — Mitigación de pérdidas de la FHA); los préstamos VA, USDA y convencionales tienen menús similares propios. Estas opciones se presentan 'según lo publicado actualmente' — un consejero certificado por HUD o su compañía de servicio confirmarán cuáles aplican hoy en su caso. Esto no es asesoría financiera, y los términos de los programas cambian.
La primera consulta es gratuita — usted escribe su situación y su préstamo, y recibe las opciones, el plazo de la Florida y una carta de dificultad económica, sin necesidad de cuenta y sin que se guarde nada. Si desea el paquete completo de mitigación de pérdidas para un préstamo, cuesta $9, o $99 al mes para ayuda continua para encontrar consejeros, asistencia legal e iglesias. Nada de lo que usted escriba se almacena.
No — nunca deje de pagar, ceda la escritura de su casa, ni pague dinero por adelantado a una compañía que promete arreglarle la hipoteca. Las compañías que cobran antes de conseguirle una modificación están violando la ley federal (FTC — Estafas de alivio hipotecario), y los consejeros de vivienda certificados por HUD ofrecen el mismo servicio de forma gratuita, llamando al 1-800-569-4287 (HUD — Encuentre un consejero de vivienda).
En la Florida, usted tiene solamente 20 días desde que le notifiquen para presentar una respuesta por escrito ante el tribunal — no cumplir con ese plazo puede hacerle perder el caso (Fla. Stat. cap. 702 — Ejecución hipotecaria). La Florida también ofrece defensa gratuita en casos de ejecución hipotecaria para quienes califiquen, según el condado (FloridaLawHelp.org). Comuníquese de inmediato con un consejero de HUD y con asistencia legal; esta herramienta no es un abogado y puede equivocarse.
Built by the same team, free to try.