Step 1

Step 2

	Pay the total amount you owe, in a lump sum payment and by a specific date. This may follow a forbearance plan as described below. This allows you to avoid foreclosure by bringing your mortgage current if you can show you have funds that will become available at a specific date in the future.
	Make reduced mortgage payments or no mortgage payments for a specific period of time. This allows you to have time to improve your financial situation and get back on your feet.
	Pay back your past-due payments together with your regular payments over an extended period of time. This allows you time to catch up on late payment without having to come up with a lump sum.
	Register your information here. You will receive an email to ask you to setup your password. Login to the Homeowner Assistance Program web site to fill out the application form. Once you fill out the application form, one of our representatives will contact you to discuss the possible options for your particular situation.

The right option for you depends on your individual circumstances. If you provide all required information and documentation about your situation, we can determine if you qualify for temporary or long-term relief, including solutions that may allow you to stay in your home (refinance, repayment, forbearance, loan modification) or leave your home while avoiding foreclosure (short sale or deed-in-lieu of foreclosure).      Approval of any of these options may be subject to the Investor and/or Insurer of the loan. In order to evaluate each of these options, your lender will require you to provide your financial information, letter of circumstance and a listing agreement among other items.      U.S. Department of Housing & Urban Development (HUD)-approved counselors are available to provide you with the information and assistance you may need to avoid foreclosure. You can use the search tool at http://www.hud.gov/offices/hsg/sfh/hcc/fc/ to find a counselor near you.