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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

Mr. Cooper Purchases the Residential Mortgage Portfolio of Community Loan Servicing

mr. cooper

Homeowners with loans serviced by Community Loan Servicing or Mr. Cooper need to take notice. This is important news. 

If you own a mortgage that is being serviced by Community Loan Servicing, you will soon be dealing with a much bigger more stern servicer. A servicer well known for earning huge profits for the investors who own these mortgages. We here at Homeowner Protection Alliance have over a decade of experience working with, along with, and many times against the foreclosure departments at Mr. Cooper, formerly known as Nationstar. From 2010 to 2017 our group of dedicated advocates helped and protected thousands of homeowners dealing with foreclosure on their Nationstar loans. When the company changed it’s name and branding to Mr. Cooper, we all wondered what the change would mean for the thousands of homeowners who were behind on their payments. And the hundreds of thousands of homeowners who had their on-time mortgages serviced by the new Mr. Cooper brand. 

It is safe to say 5 years later, nothing much has changed.

Homeowners in hardship, homeowners behind on mortgage payments, homeowners unfortunate enough to be in active foreclosure still found it close to impossible to get help directly from Mr. Cooper. The mortgage servicing giant does have an obligation to it’s clients to protect their bottom line. Their profits. 

While the profits have broken records and Mr. Cooper’s clients are pleased and satisfied, the company has been plotting it’s growth. Step by step. The next step in it’s growth is happening this summer. 

Mr. Cooper Group has signed an agreement with Community Loan Servicing (CLS)—a subsidiary of Bayview Asset Management, where Mr. Cooper will take over the servicing duties of over 140,000 residential mortgages. This includes mortgage current on payments. Mortgages delinquent due to covid forbearances. and mortgages delinquent, in foreclosure, and mortgage about to be in foreclosure. 

In addition, more than 500 Community Loan Servicing staff members will switch to the Mr. Cooper Group team, with the transaction expected to close in the Summer. At that time, Mr. Cooper will add CLS’s customers and servicing team to the Mr. Cooper Group family.

“This transaction furthers our strategic goals with additional portfolio growth and expanded default servicing capabilities,” said Mr. Cooper in a statement. “With the addition of the CLS team and their platform, we will be in an even better position to help homeowners who need extra support to keep their dream of homeownership alive. We look forward to welcoming these customers and team members to the Mr. Cooper Group family.”

In addition to the recent appointment of Paypal VP and CDO Daniela Jorge to its Board of Directors, Mr. Cooper also announced a joint venture with Sagent, where Sagent will buy certain intellectual property rights related to Mr. Cooper’s proprietary, cloud-based technology platform for mortgage servicing, and Mr. Cooper received an equity stake in Sagent.

Homeowner Protection Alliance has over a decade of direct experience protecting homeowners who own mortgages being serviced by Mr. Cooper, as well as Community Loan Servicing. We look forward to providing homeowners with more useful information relating to their loans, homes, mortgages, and lender servicers. 

If you own a mortgage that is being serviced by Mr. Cooper, or is currently with Community Loan servicing and need assistance, or have questions, give us a call today. We are here to help. We are here to spread important news. We are here to Protect. We are Homeowner Protection Alliance. The nation’s highest rated, most experienced, most respected homeowners group.