Programs and options that may lower your burden

Mortgage Relief

Mortgage relief can take several forms. Learn how hardship assistance, loan modification, and forbearance work before you decide.

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Mortgage relief is a broad term for options that may help a homeowner who can't keep up with their mortgage as written. The three most common forms are hardship assistance, loan modification, and forbearance — and they work very differently. This hub explains each in plain language so you can understand which questions to ask before committing to anything.

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Each page answers a specific question and ends with your next step.

Hardship Assistance

Mortgage Hardship Assistance Explained

Mortgage hardship assistance is a general term for help available to homeowners who can't meet their mortgage because of a financial hardship. It's a category, not a single program — and understanding what's in it helps you ask the right questions.

Loan Modification

Loan Modification Help: How It Works

A loan modification permanently changes the terms of your mortgage to make it more affordable. It can be a real solution for permanent hardship — but it's not guaranteed, and it has trade-offs worth understanding first.

Forbearance

Mortgage Forbearance Help: What to Know

Forbearance temporarily pauses or reduces your mortgage payments during a short-term hardship. It can provide real relief — but the paused payments usually come due, so it's a bridge, not a forgiveness.

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