Foreclosure & Loan Modification Resources
We understand you may be facing a difficult financial situation. LetterLotuscannot generate letters for foreclosure or loan modification cases because the FTC's Mortgage Assistance Relief Services (MARS) Rule prohibits charging any upfront fee for mortgage assistance services. This regulation exists to protect homeowners from predatory practices.
The good news is that qualified, free help is available. HUD-approved housing counselors can assist you with foreclosure prevention, loan modification applications, and communicating with your mortgage servicer. These counselors are trained and certified by the federal government, and their services cost you nothing.
HUD-approved housing counselors provide free help with foreclosure prevention and loan modification. They are trained, certified, and funded by the federal government.
Free Government Resources
HUD-Approved Housing Counselors
Find a HUD-approved housing counselor near you. These counselors are trained, certified, and funded by the federal government. Their help with foreclosure prevention and loan modification is free and confidential.
Find a counselor near you →CFPB Complaint Portal
If your mortgage servicer is not cooperating or you believe they have violated your rights, you can file a complaint with the Consumer Financial Protection Bureau.
File a complaint →State Attorney General
Your state attorney general's office can help with mortgage fraud, servicer misconduct, and predatory lending practices. Many offices have dedicated consumer protection divisions.
Find your attorney general →