Dmoonz / Keep your home
Let’s look at
your options.
Understand payment relief, who approves it, and what to ask before agreeing.
Talk it through ↗Words, made simpleFree help is available. Know the upfront-fee warning.
Don’t pay upfront for promises to save your home.
Free foreclosure-prevention counseling is available through HUD-approved agencies. You can contact your mortgage servicer directly and request the application and document checklist—you do not have to hire a paid middleman to start.
Mortgage-relief companies generally cannot collect a fee before you accept a written relief offer from your lender or servicer. Calling the charge “paperwork,” “processing” or “application help” does not make a prohibited advance fee acceptable. A limited exception exists for qualifying attorneys who meet specific requirements; not every claimed legal retainer qualifies.
Separate legitimate legal, court or closing costs may apply. Ask what each charge covers, verify the provider and get written terms. Never pay for a guaranteed approval or a promise to stop an auction.
Find out about free foreclosure counseling · Check the FTC’s fee rules and scam warnings · New York HOPP: 855-466-3456.
Already paid someone suspicious? Contact your bank or payment provider promptly about recovery options, keep the receipts and messages, and report it to the FTC. A complaint does not pause foreclosure deadlines.
Start with your mortgage servicer—the company receiving your payments. Ask for the loss-mitigation department and a written list of options and required documents. Dmoonz can help you organize questions, records and next steps.
Temporary hardship: forbearance
Forbearance pauses or reduces payments for a limited period. It does not erase the debt. Ask when it ends, how missed payments will be repaid, whether interest continues and what happens if the hardship lasts longer.
Catch up: repayment or another servicer-approved arrangement
A repayment plan adds an agreed amount to regular payments to catch up. Ask what the total monthly payment will be and whether it fits your budget. Other options, including deferral, depend on the loan and available programs. Request the agreement in writing before relying on it.
Longer-term hardship: loan modification
A modification changes loan terms. A lower monthly payment can come with a longer repayment period or a different balance. Compare payment, rate, term, total cost, fees and any trial-payment conditions. Approval is individual; submitting documents does not itself stop a court deadline.
Can refinancing help?
Refinancing replaces the mortgage with a new loan. Qualification, equity, credit, rates and closing costs matter. Compare the complete cost and affordability with a licensed lender and housing counselor before proceeding.
Official guidance: CFPB: foreclosure alternatives; repayment plans.
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Dmoonz helps organize the next steps and connect you with appropriate resources. Legal advice and court representation belong with an attorney; mortgage approvals belong with your servicer. Your eligibility, costs and outcome depend on your circumstances.
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