OUR PROGRAMS

Housing Stability Program

Helping families maintain safe and stable housing while rebuilding financial security.

Homeownership Restoration Initiative

Supporting families who aspire to become homeowners again after experiencing foreclosure. We provide the tools, counseling, and acquisition support needed to restore housing security and long-term financial stability.

How HAF Can Help

Our mortgage modification assistance program is designed to help homeowners better understand the process and present a complete, organized application package to their lender or mortgage servicer.

HAF may assist with:

Explaining the mortgage modification and loss-mitigation process in plain language
Reviewing servicer correspondence, application requirements, and stated deadlines
Helping organize income, hardship, expense, and property-related documentation
Assisting with completion of mortgage-assistance application forms
Helping homeowners prepare hardship letters and supporting narratives
Creating document checklists and submission records
Helping track requests for additional documents and servicer communications
Identifying questions homeowners should raise with their lender or servicer
Providing educational resources about foreclosure prevention, mortgage servicing, and homeowner rights
Referring homeowners to qualified housing counselors, attorneys, or other community resources when appropriate

Our goal is to help ensure that a homeowner’s request for assistance is organized, supported, and not abandoned simply because the process is confusing.

Who This Service Is For

Free Mortgage Modification Assistance

Keep Your Home. Understand Your Options. Move Forward With Support.

When a mortgage payment becomes difficult to manage, the process can feel overwhelming—especially when your lender or servicer requests documents, sends confusing notices, or gives you deadlines that seem impossible to meet.

Home Advocates Foundation (HAF) provides free mortgage modification assistance to eligible homeowners who need help applying for, organizing, and navigating the loss-mitigation process with their mortgage lender or servicer.

We help homeowners take informed, organized steps toward a more affordable and sustainable mortgage payment.

Preserving Homeownership. Building Futures.

Who This Service Is For

This program may be appropriate for homeowners who are:

Behind on mortgage payments or concerned they may fall behind
Facing a financial hardship, including job loss, illness, reduced income, family changes, or unexpected expenses
Receiving notices from a mortgage servicer about loss mitigation, foreclosure, or default
Having difficulty understanding what documents their servicer needs
Reapplying after a prior modification denial
Seeking help communicating clearly and consistently with their mortgage servicer
Trying to preserve homeownership through an affordable payment solution

Early action matters. The sooner you begin gathering documents and responding to your servicer, the more options may be available.

Apply Now

Homeowner Rights Education Program

Providing educational resources designed to help homeowners better understand:

Mortgages

Foreclosure processes

Mortgage servicing

Consumer protection laws

Property rights

Community Housing Partnerships

Working with nonprofits, community organizations, professionals, and housing providers to create sustainable housing opportunities.