A steady first step
You do not need to solve everything today.
Begin with the document or event in front of you. The goal is to identify your stage, protect time-sensitive choices, and prepare one useful conversation.
A notice title, a sale date, or the number of missed payments is enough to begin. Never enter your loan number or Social Security number here.
If you are worried about the next payment
- Call the company shown on your mortgage statement and ask for the loss-mitigation or home-retention team.
- Describe the hardship plainly and ask what options are available for your loan type.
- Ask a HUD-approved housing counselor to help you prepare at no cost.
If you received a letter
- Keep the envelope and every page together.
- Circle the document title, every date, the sender, and any court or sale information.
- Do not assume the boldest date is the only deadline. Use the Notice Guide and verify with local help.
If a sale is scheduled
- Treat the situation as time-sensitive, even if you already submitted assistance paperwork.
- Contact your servicer, a HUD-approved counselor, and legal aid or a qualified local attorney today.
- Ask each person to confirm the sale status and what must happen to pause or change it.