White female GreenPath employee wearing headset and providing housing counseling.

Millions of Americans are looking for solutions to lower their mortgage payment and avoid foreclosure.

Homeowners are overwhelmed by state and federal mortgage programs that can be difficult to understand. Most programs are designed to help people modify or refinance their mortgage. Other programs encourage non-retention options such as a short sale or deed-in-lieu. Eligibility requirements can be confusing, and program options vary based on mortgage type and state of residence.

Relax. GreenPath’s certified housing experts are here to help you find the best solution for your unique situation. Our foreclosure prevention services are free of charge. If appropriate, we will also contact your servicer to explore options and even help you apply for specific programs.

GreenPath is an approved U.S. Department of Housing and Urban Development housing counseling intermediary. We work in partnership with the Homeownership Preservation Foundation to operate the HOPE Hotline, a toll-free help line for people who are having trouble paying the mortgage or who are facing foreclosure.

Call 888-995-HOPE (4673) for help now.

GreenPath Frequently Asked Questions Graphic

How much does it cost to work with a GreenPath housing expert?
GreenPath's foreclosure prevention assistance is free.

How can GreenPath help if I am struggling to pay my mortgage?
GreenPath can explore your mortgage repayment options and help you make an informed decision on the best course of action.

Can GreenPath help me refinance or modify my mortgage?
GreenPath can contact your servicer with you on the line, but we can’t guarantee a positive outcome. Your outcome will depend on what your servicer is willing to offer and/or your eligibility for specific state and federal housing programs.

I took out a Reverse Mortgage awhile back, but am having difficulty staying current with my property taxes. Can you help?
Yes. We will go through a complete financial assessment with you and explain your options. Lenders are often willing to work with homeowners in order to avoid foreclosure.

GreenPath financial counselor BillMeet Bill. He is a financial counselor, helping people deal with personal finance issues such as budgeting, housing concerns debt management plans and money managment. He joined GreenPath in 2008 as a bankruptcy counselor.  "It's a great feeling when I help someone find a solution that improves their financial situation."