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Mortgage assistance and foreclosure help in New Hampshire.

Find help with paying your mortgage and get foreclosure assistance in all cities such as Manchester and Nashua.

New England Mortgage Relief Initiative

With the recent news stories and economic impact that is resulting from the housing crisis, in which many  families are facing increasing mortgage costs and with the number of foreclosures being at record highs, 5 banks in the New England area have joined together to offer mortgage help to homeowners.

Sovereign Bank (800.288.6225), Citizens Bank (1-888-411-1145), TD Banknorth, Bank of America, and Webster Bank have partnered together and they have committed hundreds of millions of dollars to create the Mortgage Relief Fund to help New Hampshire families. The goal of this program is to help homeowners avoid potential foreclosure and delinquency by moving those homeowners into a better, more appropriate and affordable mortgage product.

This fund was created to help homeowners that are in fairly good standing with paying their current mortgage loan. However, they may currently be having some type of trouble making payments or they may be at risk of losing their homes in the near future when their mortgage rates reset to a higher interest rate.

You may be eligible for consideration in this assistance program if:

  • Your home is worth more than the total balance of any outstanding mortgage(s)
  • You have, in general, paid your mortgage payments on time
  • You reside in your home or the property
  • You need to be able to document your current income

This program is primarily designed to provide mortgage relief to those homeowners who are in fairly good standing with their current payment. However they may be paying above market interest rates or maybe they are facing an increase in the amount of their monthly payment because their adjustable-rate mortgage rates are resetting to a higher interest rate. So it is a pro-active program to help New Hampshire families before they fall behind.





Foreclosure Mediation

The state courts have created a new foreclosure mediation program. It is a voluntary program, but it will help ensure that homeowners and lenders come together, with a professional mediator, to ensure that all solutions to stop the foreclosure process have been explored and acted upon. It helps ensure that all parties are communicating. This is a free program to homeowners and lenders alike.

Mortgage assistance and foreclosure counseling from non-profits

Several non-profit housing agencies in New Hampshire have been certified by the federal government, and they can offer help with foreclosure and mortgage payments. Learn more on New Hampshire HUD agencies.





By Jon McNamara

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