Answers to Common Questions
Homeowners Ask First.

A mortgage assistance specialist will review your details and reach out — typically within 24 business hours — to walk through what options may be available based on your situation. They will contact you by phone or email depending on your preference.

The form takes about 60 seconds to complete. A specialist typically reaches out within 1 business day. The full review conversation usually takes 15–30 minutes depending on how complex your situation is.

A specialist will attempt to contact you by phone. If you prefer email or another method, you can note that preference and they will accommodate it. There is no pressure to take a call you're not comfortable with.

No. This is not a loan application. You are not applying for credit of any kind. This is a free review to understand what mortgage relief options may be available to you. No credit check is performed.

Absolutely not. Submitting the form and speaking with a specialist creates no obligation whatsoever. You are under no pressure to take any next step. The review is informational — you decide what, if anything, to do next.

Yes — and you should act early. The earlier you submit, the more options are typically available to you. Many loss mitigation programs are easier to access at 30–60 days behind than at 90–120 days. Waiting often narrows what your servicer can offer.

Yes. You may submit if you are concerned about future payments or want to understand possible options before missing a payment. This is not a new-mortgage shopping service, and any option depends on your loan, servicer, timing, and circumstances.

Credit score is generally not the deciding factor in hardship and loss mitigation programs. These programs are specifically designed for homeowners experiencing financial difficulty — not for borrowers with perfect credit histories. Your situation and loan type matter more than your score.

Yes, your loan type (conventional, FHA, VA, USDA) affects which programs are available to you and what the requirements are. However, most loan types have some form of loss mitigation option. Tell us your lender when you submit and we'll help identify what applies.

Yes. If you've already received a foreclosure notice, you may still have options. Federal mortgage-servicing rules may provide foreclosure protections when a complete loss mitigation application is submitted early enough. The protections available depend on the timing of the application and your circumstances. Because foreclosure deadlines can vary, a foreclosure notice or scheduled sale should be treated as time-sensitive. Seek assistance as soon as possible.

Loss mitigation programs are generally designed for owner-occupied primary residences. Investment properties and rentals may have fewer options available. Submit the form and tell us your situation — we'll let you know what may apply.

No. The review is completely free. There is no cost to submit, no cost to speak with a specialist, and no obligation to take any further action. You are under no financial pressure at any point.

No. There is no credit pull involved in submitting the form. Your credit score is not checked or affected by starting a free review with Mortgage Assist.

Your details may be reviewed by licensed mortgage assistance professionals who may contact you about your situation. We do not sell your information to unrelated third parties. For complete details, see our Privacy Policy.

Yes. All information submitted through this website is transmitted over an SSL-encrypted connection. Your data is treated as confidential and is only shared with professionals relevant to your mortgage assistance review.

Timelines vary significantly by state. The foreclosure process may take months or considerably longer depending on state law and individual circumstances. A foreclosure notice or scheduled sale should be treated as time-sensitive — seek assistance as soon as possible.

In many cases, yes. Submitting a complete loss mitigation application within applicable timeframes may provide federal protections that restrict certain foreclosure actions while the application is reviewed. Options like loan modification, repayment plans, or reinstatement can also stop foreclosure when arranged in time. Time is the critical factor.

A Notice of Default is a formal document filed by your lender — typically after 90 days of missed payments — indicating you are in default on your mortgage. This is usually the first step in the formal foreclosure process. Receiving an NOD does not mean you will definitely lose your home, but it means you need to act now.

If you take no action, foreclosure will eventually proceed. However, most homeowners who engage with their servicer — or connect with a mortgage assistance professional — discover they have more options than they realized. The biggest mistake is waiting and doing nothing.

Eligibility depends on your specific loan, servicer, investor, and situation. No result or program approval is guaranteed. However, many homeowners discover options they didn't know were available. The only way to find out is to start with a free review.

A loan modification is a permanent change to your mortgage terms — such as a lower interest rate, an extended loan period, or rolling missed payments into the balance. Eligibility depends on your loan type, servicer, investor guidelines, income, and how long you've been behind. Our specialist will help you understand if you qualify.

Forbearance is a temporary pause or reduction in payments. When forbearance ends, you'll work with your servicer on how to repay the paused amounts — often through a repayment plan or loan modification.

A repayment plan lets you catch up on missed payments gradually by paying extra each month over an agreed period (typically 3–12 months).

Yes. Depending on your loan type, programs through FHA, VA, USDA, and state-level HAF (Homeowner Assistance Fund) programs may apply. Many homeowners with government-backed loans have access to programs they don't know exist. Our review will identify which programs may be relevant to your loan type.

It can refer to assistance programs offered by a servicer, government, state or local organization, or nonprofit. Funding is limited, eligibility varies, and submitting this form does not guarantee grant support. Mortgage-Assist.com does not award government grants.

Payment deferral is an arrangement in which eligible missed payments may be postponed and addressed later, sometimes at loan maturity or through another approved repayment arrangement. It is not automatic, and the terms depend on your loan and servicer.

For qualified homeowners, a HELOC or home-equity loan may provide access to available equity. It creates new debt secured by your home, includes costs and qualification requirements, and is not a grant. Consider the risks carefully before choosing this type of option.

A specialist typically reaches out within 24 business hours of your submission. The speed at which you can access actual relief through your lender depends on how responsive your servicer is and which programs are available — but the first call can happen within a day of you submitting the form.