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Behind On Your Mortgage? See What You Qualify For — in About 90 Seconds.

Answer a few quick questions and find out what foreclosure options may be available in your state. No cost. No pressure.

See What You Qualify For →Takes about 90 seconds · Free · No obligation
Prefer to talk to a person right now? Call (866) 211-1793 — a real advocate picks up.
Thousands of families since 2013·500+ Google reviews·230+ on Facebook
You've probably already been burned by someone who promised help and disappeared. That skepticism is earned. Read the reviews first, then start the quiz.

Real Homeowners. Real Homes Saved.

Scammers don't have hundreds of real people on video. We do. Here are a few.

Sandy tried to fix it herself with the VA and her lender. It ended in foreclosure papers. A few months after calling HPA, her home was safe and her mortgage more affordable.
A retired veteran protects his home and family from foreclosure.
Mr. Darby on his experience working with our team.

This Is Not a Moral Failure. It's a Financial Emergency.

You've already made the calls. Been transferred. Been told to resubmit the same documents. Been made to feel like this is somehow your fault.

It isn't. And it isn't as final as your servicer wants you to believe.

A medical bill. A job that ended. A divorce. A stretch where everything hit at once.

Nobody plans to fall behind. It doesn't make you irresponsible, and it doesn't make you alone. This happens to good people with good intentions every single day.

But here's what your servicer does with it: they treat your emergency like a math problem. Accelerate the debt. Refuse partial payments. Demand the full amount or nothing.

That benefits them. Not you.

Why You've Been Getting Nowhere

It's not bad luck. Once you're behind, most servicers run the same playbook:

  • They refuse partial payments — full reinstatement or nothing
  • They "review" your file in a loop that never actually moves
  • They make you start over from scratch every time you call

Every transfer resets your momentum. Every "resubmit" costs you a week. And the longer it drags, the more leverage they gain.

That's not chaos. That's a system. And it's designed to wear you down until you give up.

Options You Were Never Offered

Here's what most homeowners don't know: "behind on your mortgage" is not one situation with one outcome. There are real programs built for exactly this:

  • Loan modifications that permanently lower your monthly payment
  • Reinstatement plans that spread your past-due balance out instead of demanding it all at once
  • Forbearance and repayment plans that buy you room to recover
  • Loss mitigation reviews your servicer is legally required to consider

The reason you haven't been walked through these isn't that you don't qualify. It's that nobody whose paycheck depends on it has sat down and shown you.

That's the whole point of the 90-second check: to find out which of these actually fit your situation.

And one thing they're counting on you not knowing

When your servicer tells you you're "under review," the foreclosure clock is often still running in the background. Two tracks at once. That's called dual tracking, and in a lot of cases it is not allowed.

Most homeowners never find out in time. The quiz is how you find out now.

What Homeowners Say After the Call

HPA Google Reviews rating HPA Facebook Reviews rating
★★★★★
Paula P.

Three days from a foreclosure notice, I searched online and found Anthony. He called me back in 10 minutes — at 10:00 at night. My husband was hospitalized 8 days with Covid and that's what put us behind. The advice he gave me left me with the hope I needed to save my home for my family.

Google review
★★★★★
Liliana R.

Anthony reached out to my mortgage company and realized they had set me up for failure. Now I understand my options and I'll be able to keep my home. I'm extremely grateful.

Google review
Read more reviews →

What Changes the Moment We Get on the Call

We don't file paperwork "on your behalf" and hope. We get on the phone with your servicer, with you, and we ask the questions they've been dodging.

And when the person on that line knows what CFPB rules require, what documents must be formally acknowledged, and when the foreclosure timeline is legally required to pause...

the tone shifts. Every time.

We've watched servicers reverse positions they'd held for months, in a single call. That's not a miracle. That's what happens when someone who knows the rules is finally in the room.

How This Works — Three Steps, Starting Today

1. Take the 90-second quiz.

A few quick questions about your situation and your state. We use it to see exactly where you stand and which options may fit.

2. We get on the phone with your servicer — with you.

Not after. Not on your behalf. On the line, while your lender is finally forced to give straight answers.

3. We push the file until it gets a real review.

When it stalls, we escalate. When it needs an attorney, we coordinate the referral and stay involved. You don't get handed off and forgotten.

No forms to figure out alone. No queue. Just the next right move.

What You're Probably Wondering

Is this a scam?

Fair question, the right one to ask. Look at the record: 500+ Google reviews, 230+ on Facebook, and hundreds of real homeowners on video. And a rule worth knowing: anyone who asks you to pay upfront or guarantees they'll stop your foreclosure is not legitimate. We don't do either.

Will the quiz hurt my credit or make things worse?

No. Answering the quiz or talking to us doesn't trigger foreclosure, touch your credit, or change your legal standing. Ignoring the deadlines does.

My servicer already said it's too late.

"Too late" is usually a pressure phrase, not a legal fact. We've worked with homeowners who had auction dates set and still found options.

If Foreclosure Hasn't Reached Auction Yet, This Is Your Window.

You don't have to have it figured out before you start. That's what the quiz and the call are for.

Ninety seconds. Free. No pressure. And at the end, you'll know more about your real options than your servicer has told you in months.

See What You Qualify For →Takes about 90 seconds · Free · No obligation
Prefer to just talk? Call (866) 211-1793

Homeowner Protection Alliance provides foreclosure-related advocacy and loan modification assistance. We are not a government agency, a bank or mortgage servicer, or a law firm, and we are not affiliated with or endorsed by any of them. Nothing on this website is legal advice. We do not charge upfront fees. We do not guarantee that your lender will accept any loan modification, reinstatement, or other loss mitigation outcome, and results vary based on your individual circumstances, your state's foreclosure process, and your servicer. You are not required to use our services and may stop at any time. If anyone asks you to pay in advance or guarantees they can stop your foreclosure, that is a red flag. If you are facing foreclosure, you can reach a HUD-approved housing counselor at no charge by calling (800) 569-4287 or visiting hud.gov. HPA does not assist homeowners in New Mexico, Delaware, Washington, Oregon, Kansas, New Hampshire, or West Virginia.

Call Us: (866)-211-1793

Foreclosures soared in 2022. 2023 projects to be even worse

rise Foreclosure rise

Foreclosure actions increased by 99% in 2022, as the year to year foreclosure actability report increased by another shocking 57%. 2022 was the first post-covid year for everyone involved in the constant wheel of homeownership. homeowners, lenders, the servicing companies who work for them, and the foreclosure attorneys who file the foreclosure paperwork all had a reawakening. Our team at Homeowner Protection Alliance have ourselves first hand witnessed a shocking increase in foreclosure actions on distressed homeowners in the past 12 months.

Foreclosure activity in 2022 compared to the year before going up by 57% was expected, considering the millions of homeowner delinquent on payments, and the Pandemic era foreclosures bans ending on January 1st 2022. But new Foreclosure actions having such a huge increase shocked even the most pessimist of mortgage analysts. the statistics are from the latest report by real estate data firm, ATTOM.

The 2022 US Foreclosure Market Report in December revealed that a total of 30,677 properties had foreclosure filings in November alone – namely default notices, scheduled auctions or bank repossessions.

Across the country, one in every 4,580 properties had a foreclosure filing in November, while the states with the highest foreclosure rates were Illinois (one in every 2,401 housing units), followed by Delaware (2,736), and New Jersey (2,916).

Large metropolitan areas with the worst foreclosure rates included Cleveland, Chicago (one in every 2,221 housing units); Riverside California (2,294); and Philadelphia (2,539).

Mortgage banks and servicers commenced foreclosure action on 20,686 properties in November. The states reporting the highest number of foreclosure actions were California, Texas and Florida.

The foreclosure process normally starts when a borrower has received a default notice after missing four to six monthly mortgage payments in a row, although most lenders will reportedly send a notice of default when they are 90 days – or three months – past due.

California had 2,244 foreclosure starts, followed by Texas with 2,114 and Florida with 1,709.

Read more: A frightening increase in foreclosures

Large metropolitan areas with the greatest number of foreclosure starts last month included: New York with 1,593, followed by Chicago (1,028) and Houston (685). Miami reported 657.

Foreclosed Homes and Evictions

Data from ATTOM revealed that mortgage banks and servicers repossessed a total of 3,770 properties through completed foreclosures (REOs) across the country in November.

States with the largest number of REOs included Illinois (343 REOs); New York (313); Pennsylvania (220); Michigan (210); and Ohio (208).

Major metropolitan statistical areas (MSAs) with a population greater than one million reporting the greatest number of REOs last month included: Chicago (278 REOs); New York (174 REOs); Philadelphia (103 REOs); Detroit (77 REOs); and Houston (59 REOs).

Despite the monthly reduction, foreclosure completions increased by 64% in comparison to last year.

Read more: the rise of the 2nd Mortgage Zombie Loan

For more helpful information about Foreclosures and Mortgages, visit our main page Homeowner Protection Alliance