State government programs that provide mortgage assistance and stop foreclosures.

Many states and local governments have created assistance programs to help their residents with paying and/or refinancing mortgages in an effort to reduce and stop foreclosures. The help provided will vary by state, however it will usually include new mortgage loans, help with refinancing an existing mortgage, mortgage counseling, grants, mediation, and other aid. Some states have also put in place programs to postpone or slowdown the foreclosure process, or foreclosure moratoriums. Select your state below to see what mortgage and foreclosure assistance programs they offer.

States also have aid programs for numerous other expenses, including electric bills, child care expenses and health care, to name but a few. Find additional assistance programs offered by your state. More

Or learn about loan modifications. Many state and federal government programs exist that provide modifications. With a mortgage modification, it is possible that a homeowner can receive:

• a lower interest rate
• some or all late fees and charges may be waived or reduced
• your interest rate may be changed from an adjustable rate loan to a fixed rate
• the months or years the homeowner has to repay the loan may be be lengthened
• total loan principal may be reduced.
• your second mortgage or equity loan could be waived
  
  The site MortgageAssistance411 (link below) will connect you with professionals who will provide you with free loan modification proposals. There is no obligation. Over 100,000 homeowners helped. Sign up to request free proposals today from loan servicers and specialists.

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