While the government has stopped many programs like HARP, Freddie Mae and Freddie Mac still have home refinance programs to help people underwater on their mortgages.

 

Are you having trouble making your mortgage payments? Waiting is the worst thing you can do. Take action and talk to your mortgage company and reach out to HUD for help.

Don’t wait to talk to your lender. They don’t want you delinquent, and they have programs to help. Also,there are HUD-approved counselors who can help.

 
 

Mortgage accelerators pay off your mortgage faster using HELOCs. The advantage is that they do work. the disadvantage is that they come with high fees.

While these programs work, banks sell them because they make more money on the fees associated with them. The good news is that you can set up your own accelerator and save the feels your lender will charge.

 

National and local private charities often help if you cant afford your mortgage. The United Way, Catholic Charities and the Salvation Army have programs, but you should also ask your local church.

The government has many programs to aid single moms, the disabled, the unemployed, and seniors. You should begin your search for public assistance with your local HUD office.