Specialists available 24/7 · All 50 states
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Home Rescue NPO helps American homeowners understand the protections that may apply to their loan and get their paperwork in order, with real specialists on call day and night.
I'm three months behind and got a letter about default.
That sounds stressful. You're doing the right thing by reaching out. Which state is the home in?
Ohio. I don't even know what my options are.
Let's find out together. Can I get your first name and a good number for a specialist to call you back?
Pick the closest match. We'll show the one thing to know first, and Clara will start from there.
That's common. Clara can help you work out which situation fits, any hour, and a person follows up.
Servicers generally can't make the first foreclosure notice or filing until a loan is more than 120 days delinquent, with some exceptions.
A complete loss-mitigation application can require your servicer to evaluate you for options and, depending on timing, limit foreclosure steps while it does.
Follow every deadline in your notices and get legal help right away. Contacting us does not stop a foreclosure.
Follow the instructions and deadlines in your court papers, and talk to a licensed attorney or legal aid right away. Contacting us does not extend a court deadline.
Follow every deadline in your actual notices. Then talk to Clara and we'll prioritize your file.
Federal mortgage-servicing rules, your state's foreclosure process, and the difference between a complaint, a written request to your servicer, and a court deadline, explained in plain words for your situation.
We help members gather, organize and prepare what their mortgage servicer asks for, such as hardship letters and loss-mitigation application packages, so nothing is missing when it matters.
Hardship doesn't keep office hours. Our specialists bring over 80 years of combined experience with household finance, and modern AI makes sure your call is picked up, your details are captured accurately, and nothing in your file slips through the cracks.
Also juggling credit cards, medical bills or a car loan? Your specialist looks at the whole household budget, with your home first.
Coverage depends on your loan, your servicer and whether the home is your primary residence. California has a law actually named the Homeowner Bill of Rights; other states protect homeowners through their own notice, mediation, cure and redemption rules.
Sources: Consumer Financial Protection Bureau, Regulation X (12 C.F.R. part 1024).
Servicers generally can't make the first foreclosure notice or filing until a loan is more than 120 days delinquent, with some exceptions.
A complete loss-mitigation application can require your servicer to evaluate you for options and, depending on timing, limit foreclosure steps while it does.
A notice of error sent to your servicer's designated address triggers required handling for covered errors.
Requests for information about your servicing have prescribed handling rules, with some exceptions.
The Servicemembers Civil Relief Act can limit foreclosure on covered mortgages taken out before military service.
Most homeowners wait too long because the next step feels unclear. Here it is.
Step 1: a few minutes
Talk to Clara, our AI assistant, right here, any hour. Share your first name, mobile number and a good time to talk.
Step 2: free consultation
A real person reviews your situation, your state and your notices, and explains membership and any costs before you commit.
Step 3: your plan
You leave with plain-language answers and an organized package for your servicer, plus clear signals for when to involve an attorney.
Still unsure? Talk to Clara any time, or read how to choose mortgage hardship help.
California has a law officially named the Homeowner Bill of Rights. Every other state protects homeowners through its own mix of notice, cure, mediation, reinstatement and redemption rules, and federal mortgage-servicing rules add another layer when your loan is covered. We help you understand which protections may apply to your home.
No one can honestly promise that. We help you understand your options, prepare what your servicer asks for, and know when to bring in an attorney. If you have court papers or a sale date, follow every deadline in your notices and get legal help right away.
Your first consultation is free and confidential. A specialist explains membership and any costs clearly during that call, before you agree to anything.
No. Home Rescue NPO is a private membership organization with no affiliation with any government agency or program, and it is not your lender or a law firm. Free HUD-approved housing counseling is also available at 1-800-569-4287.
Yes. Many homeowners in hardship are also juggling credit cards, medical bills or car loans. Your specialist looks at the whole household picture, with your home first.
Homeowners in all 50 states. Rights and timelines differ by state, so we always start by confirming where your property is.
Any time. Talk to Clara, our AI assistant, on this page 24 hours a day, 7 days a week. A human specialist follows up to confirm your free consultation.
Tell us your first name, your mobile number and a good time. A specialist confirms your free consultation.