If You’re Past Due on Your Mortgage

Falling behind on your mortgage can feel overwhelming, but taking action early can make a real difference. Our HUD-Certified housing counselors are trained to guide you through the steps needed to keep your home and regain stability.

We can help you:

• Understand your options before foreclosure progresses
• Communicate effectively with your mortgage servicer
• Help apply for loan modifications and repayment plans
• Determine whether forbearance, partial claims, or other assistance is available
• Gather the documents your servicer requires
• Create a realistic budget and long‑term plan
• Connect with local financial assistance programs (when available)

You don’t have to navigate this alone. We are here to help you make informed, confident decisions.

Get Help Now

Don’t Wait! The Earlier You Act, the More Options You Have.

Our foreclosure prevention counseling is free, confidential, and judgment‑free.

Schedule a Free Counseling Session
Click the login button in the top right to get started
Questions? info@neighborworkswpa.org

How Our Counseling Works

A simple, guided process — tailored to your situation.

1. Meet with a Certified Counselor

We’ll review your mortgage, household finances, and goals in a supportive, confidential setting.

2. Explore Your Options

Every homeowner’s situation is different. We explain the paths available to you and what each one means.

3. Prepare and Submit Your Documents

We help you gather the paperwork needed for loan modifications or other loss‑mitigation programs, and communicate with your lender.

4. Move Forward with a Plan

Whether it’s a modification, repayment plan, or another solution, we stay with you until your case is resolved.

You Have More Options Than You Think

Even if you’re behind on payments, several solutions may still be available:

Loan Modification

Your lender may be able to adjust the terms of your loan to make payments more affordable.

Repayment Plan

A structured plan to catch up on missed payments over time.

Forbearance or Extension Options

Temporary relief that allows you to pause or reduce payments.

Partial Claim (for FHA Loans)

The past‑due amount may be moved to a separate, interest‑free lien to bring the mortgage current.

Reinstatement

Paying the past‑due amount in full, often combined with other options.

Other Loss‑Mitigation Solutions

Depending on your lender and loan type, additional tools may be available.

Every homeowner’s situation is unique. Our counselors help you understand which options fit your circumstances.