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I am struggling to pay my mortgage and would like to get assistance. What should I do?

First, contact your lender or mortgage servicer and ask for assistance. You can also seek assistance or find a housing counselor through the following resources:

  • The Making Home Affordable program helps responsible homeowners obtain affordable refinancing or loan modifications to help them stay in their homes.
  • Contact the U.S. Department of Housing and Urban Development (HUD) at (202) 708-1112, or visit the HUD website.
  • Call (888) 995-HOPE, the Homeowner's HOPE Hotline, to reach a nonprofit, HUD-approved counselor through HOPE NOW, a cooperative effort of mortgage counselors and lenders to assist homeowners.
  • Visit NeighborWorks America's website to locate one of its network of housing counselors.

If you are suffering financial hardship because of COVID-19, visit the frequently asked questions about COVID-19.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

Related Questions

I mailed my mortgage payment before the due date. But the bank received it one day after the due date, and I was charged a late fee. Can it do this?

My monthly mortgage payment is $500 (principal and interest). I sent a payment of $1,000 with the intent of applying the surplus to the principal, but the bank applied the entire surplus to the interest. Can it do this?

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