Struggling to pay your mortgage? Or wondering if refinancing is right for you?
No matter what’s happening with your mortgage, we’ve got you covered.

Avoid costly mortgage mistakes

​Connect with your mortgage company for positive results

​Find mortgage delinquency, forbearance, and loan modification programs

​Sustain homeownership to stay in your home

HomeFree-USA is here to answer your toughest mortgage questions and get you on the path to homeownership success.

If you are behind on your mortgage, HomeFree-USA helps you:

  • ​Access financial assistance to catch up on late payments
  • ​Understand mortgage relief options
  • ​Prevent foreclosure and relieve stress

If you are current on your mortgage, HomeFree-USA:

  • ​Makes refinancing easier and less expensive
  • ​Helps you lower your interest rate
  • ​Saves time by researching and presenting affordable lender options
  • ​Prepares and positions you to make smart homeownership decisions

Success Stories

“After being hospitalized due to Covid-19, I had no income coming in and fell behind on my mortgage. Not sure what to do next, I attended a foreclosure prevention webinar hosted by HomeFree-USA. After the event I connected with  Homeownership Advisor Gary Plumber. He helped me apply and get approved for a Covid relief program. If it wasn’t for Mr. Plumber, I think I would have lost my house." 
“When I fell behind on my mortgage , I was getting threatening letters from my mortgage company, they weren't trying to work with me. I learned that homeownership counseling could possibly help, so I reached out to HomeFree-USA. Over the next couple of months, I worked with them to get all the information my lender needed. Thanks to HomeFree-USA my lender agreed to work with me so I could keep my home. " 
“I was laid off during the pandemic and I was going through a whole lot of stress just trying to stay afloat. I heard about HomeFree-USA back in 2006 when my husband transitioned. I called HomeFree-USA and spoke with Housing Advisor Gary Plummer. He helped me  make a case with my servicer for a modification, and guided me through the entire process. My loan was approved and I was able to rebuild my life in my home."

HomeFree USA is not a mortgage lender. Make sure you understand the features associated with the program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. HomeFree-USA is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2021. Trade/service marks are the property of HomeFree-USA and/or its subsidiaries. Equal housing opportunity.

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