Mortgage assistance | Homeowner relief programs

Help with a mortgage

Find information on mortgage assistance programs offered by federal or state government organizations, non-profits, HUD counseling agencies, charities, and banks. Numerous organizations offer long term or emergency mortgage help to low-income families in the form of loan modification, grants, refis and more.

Find how to get mortgage relief below.

Non-profit and charities that provide emergency mortgage help

Help with a mortgage:

The programs listed below vary in what they can offer. In some cases direct financial assistance or free grant money may be provided to help homeowners pay their mortgage for a short period of time.

There are also government grants for low-income homeowners, veterans and seniors among others. Charities may help people on the brink of homelessness or foreclosure by providing emergency help with a mortgage payment or assist families with moving, with a focus on seniors, single moms, the disabled or veterans.

Non-profit and charities that provide emergency mortgage help Housing assistance, including for a mortgage, is provided by many charities

State mortgage assistance programs and foreclosure help

. They will offer emergency financial help for back mortgage payments or utility bills. Or a charity can provide free furniture for home, referrals to hardship grant programs and more.

The Salvation Army, Community Action Agencies, Urban League and others try to help low-income families, the working poor and people close to foreclosure. Find a

charity near you for mortgage help The Urban League

has a number of housing programs, with a focus on African American, Latino, Asian and other minorities. The Restore or Homes Program, which is a partnership of National Foreclosure Mitigation Counseling and the Urban League, coordinates free mortgage help, foreclosure prevention, home buying resources, and other support.

More on Urban League mortgage assistance Saint Vincent de Paul has many mortgage relief programs for low-income families, the disadvantaged as well as single mothers among others. The faith based charity has thousands of parishes around the country, with funding limited. Many not only help people save their home from a foreclosure, but they also help first time home buyers get a mortgage or pay closing costs.

Find an Saint Vincent financial help Catholic Charities also runs a number of free foreclosure counseling programs

Free mortgage relief from banks and lenders

. They have hundreds locations across the nation. Case managers at many of the church centers specialize in dealing with housing issues, including mortgage delinquency. Case workers also help by providing more general home-buyer assistance, including information on how to get FHA loans, grants to pay for closing costs and other financial aid.

The charity can help everyone from single moms to first-time home-buyers, the elderly who are facing foreclosure as well as unemployed among others. The programs also deal with overall credit counseling and repair.

All services, including help with a mortgage or buying a home, are free to qualified families, and locations are approved and certified by HUD. Read more on Catholic Charities free housing counseling Free legal foreclosure counseling is available for low-income families and people with no bad credit.

Grants are provided to over 900 law offices and attorneys across the country as part of a federal government legal assistance program. While many services are offered by these pro-bono law firms and attorneys to income qualified clients, one of the services provided is free foreclosure assistance including home loan modifications and representation.

Get free lawyer advice

Emergency mortgage help from: Cherokee Nation is for Native Americans no matter where they live. The organization offers resources and guidance to assist homeowners and help them prevent a home foreclosure.

There are free government hardship grants, home-buying programs, low cost loans for first time buyers and foreclosure help as well. Read about the Cherokee Nation mortgage program Many:

Community Action Agencies provide government grant money to help with a mortgage

Federal government grants for mortgage payments

Programs and resources that homeowners can take advantage of. While they primarily focus on providing counseling, some of the community action agencies can provide emergency cash grants, mediation services, and other tools to help a homeowner prevent or stop a foreclosure filing.

Even if they don’t offer direct financial aid or can’t meet your specific need, almost all agencies can provide referrals as well as free guidance. Find how to apply for free

foreclosure counseling from community action agencies There are thousands of non-profit housing counseling agencies that are certified by the: U.S. Department of Housing and Urban Development (HUD) . Counselors will work with homeowners to help them prevent a foreclosure or get back on track with paying their mortgage.

Most of the services are free for struggling homeowners. Get more details on HUD housing counseling Homeless prevention programs provide mortgage assistance

as well. There are funds provided by state and federal government agencies as well as non-profits. Charities such as the Salvation Army help low-income families avoid homelessness, including homeowners that are struggling with their mortgage or real estate taxes.

ESG grants, rehousing and more is also offered. Find homeless prevention for homeowners near you Many private mortgage relief and government grants can also be used to help pay your mortgage.

While you do need to apply for these grant programs, they can be another option to consider. Most are provided by non-profit agencies or a local government human services office. Note these are not that common but they can be another resource to explore. Find a list of grants that help with mortgages and bills The NID-Housing Counseling Agency (NID-HCA) is a non-profit, HUD approved agency that assists homeowners with addressing financial situations including defaults and foreclosure, predatory lending, credit repair, referrals, foreclosure counseling, and other services.

Their services are mostly free, and their goal is to help people stay in their homes. The NID Housing Counseling agency deals with a number of debt and foreclosure issues. Read more on NID Housing Counseling Mortgage assistance from the: NeighborWorks America .

They can provide help from the National Foreclosure Mitigation Counseling program, which they are part of. Workshops, group events and sessions are held across the country. Find help from National Foreclosure Mitigation Counseling Neighborhood Assistance Corporation of America , or NACA, operates

Bottom line on mortgage relief programs

from dozens of offices across the nation and offers struggling homeowners numerous options to get mortgage help. Counselors and mediators are also available and may be able to prevent a foreclosure. Learn about state and government relief programs, negotiation services and more.

Find more details on mortgage programs from Neighborhood Assistance Corp Union Plus provides mortgage assistance to union and organized labor members. Their immediate family members are also eligible. Short and long term assistance can be provided to people who are struggling with their mortgage and paying for other housing expenses.

Some members may even receive cash or some form of grant for paying their mortgage. Continue with Union Plus foreclosure and mortgage assistance Receive mortgage advice and free foreclosure prevention counseling from: The Alliance for Stabilizing our Communities (ASC ).

The organization was created from a partnership from the National Urban League (NUL), the National Coalition of Asian Pacific American Community Development (National CAPACD) and the National Council of La Raza (NCLR). Continue reading about programs from The Alliance for Stabilizing our Communities

State mortgage assistance programs and foreclosure help:

Local government mortgage help

is offered by many state and/or local municipalities. Many local governments try to provide assistance to low-income homeowners, the unemployed, seniors, veterans or the disabled. The goal is to help the less fortunate keep their homes and not face a foreclosure.

Government agencies have created their own free mortgage assistance offerings, refinancing programs, loan modification services, and programs to stop foreclosures. Locate your state or local government mortgage relief program Free foreclosure mediation programs

have been created by cities, counties, and state governments as well. A number of local court systems have also created mediation programs. The programs will ensure lenders, banks and homeowners meet with an attorney or professional mediator to explore all solutions to a foreclosure Free legal aid from a mediator will help struggling homeowners deal with their lender or bank.

Learn more on foreclosure mediation programs Property tax help

is available which will in effect free up a homeowner’s income. Most of the government financial assistance programs, or property tax relief, goes to senior citizens or people with a disability.

Learn how to lower your property taxes by contesting your home value, getting senior exemption or filing for real estate tax credits. There is no cost to do this, and anyone can apply for assistance with their real estate taxes.

More on property tax help and contesting a home assessment Free mortgage relief from banks and lenders: Mortgage forbearance programs are offered by numerous lenders, including Bank of America, JP Morgan, Citibank, and Wells Fargo.

Forbearance allows borrowers a temporary suspension of their monthly mortgage payments, in particular if they have unexpectedly lost their job or say became disabled. So a homeowner