Free Mortgage Help Tool

Clarity in 10 minutes: see your options

Know your options. Do the next right step. Get personalized recommendations, documents to gather, and professional letters—today.

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Try Calculators

10-minute triage

See all your options instantly

6 letter templates

Professional, ready to send

Local resources

HUD counselors in your area

Your Personalized Plan
Ready

Forbearance

Best Match

Pause payments 3-6 months

Loan Modification

Lower rate & payment

CA Relief Program

Up to $80k assistance

How it works

Get clarity on your mortgage situation in three simple steps

1

Answer a few questions

Tell us about your loan, payment status, and what help you need. Takes about 10 minutes.

2

Get your personalized plan

See all your options, required documents, and local resources. Know exactly what to do next.

3

Take action with confidence

Generate professional letters, contact your servicer, and connect with local help—all in one place.

Start Your Free Triage

Everything you need to take control

Professional tools and resources to help you navigate your mortgage challenges

Smart Mortgage Triage

Answer 8 quick questions and get a personalized action plan with all your options, eligibility info, and next steps.

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Professional Letter Templates

6 compliance-safe letter templates: hardship, RFI, NOE, loss mitigation, ARM shock, and escrow dispute.

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Payment Calculators

ARM shock forecaster, refi breakeven, modification estimator, and escrow spike explainer with charts.

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Local Help Directory

Find HUD-approved counselors, state relief programs, legal aid clinics, and foreclosure timelines by state.

Find resources

Plain-English Guides

Learn about forbearance, modification, refinancing, and all your options in simple, clear language.

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Action Pack

Get all 6 letter templates, email delivery, and servicer address lookup for one affordable price.

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Information & Resources From Trusted Sources:

U.S. Department of Housing and Urban Development Consumer Financial Protection Bureau Fannie Mae Freddie Mac

We provide educational information based on official guidelines from these agencies. We are not affiliated with or endorsed by any government entity.

Important Disclaimer

We are not associated with the government or your lender. Your lender may not agree to change your loan. We are not a lender, law firm, or financial advisor. This is educational information and DIY templates only. Nothing on this site constitutes legal, tax, or financial advice.