Foreclosure help & resources
Free, legitimate help exists — you should never have to pay an upfront fee to save your home. This is where we point you to the real options. The full directory is on the way.
Free help that actually exists
The single most useful step for most homeowners is free: a HUD-approved housing counselor can review your situation, explain your options, and even talk to your servicer on your behalf at no cost. We will list how to find one and what to expect.
We also track the Homeowner Assistance Fund (HAF) — the post-pandemic program that helped homeowners catch up on payments. Many state programs are winding down or out of funds and the program is set to end in 2026, so we flag current status and alternatives.
Finally, a plain-English guide to spotting foreclosure-rescue scams: why upfront-fee "rescue" offers are usually illegal, the red flags to walk away from, and the legitimate alternatives. Always verify a program before relying on it.