Lost Your Job and Facing Foreclosure?
Free Help Is Available Now.
A job loss or income reduction can make an affordable mortgage unaffordable overnight. HOAPnet's free Homeowner Assistance Program (HOAP) helps homeowners who have lost income negotiate with lenders, stop foreclosure, and find the right path forward — with no out-of-pocket cost.
You were laid off unexpectedly and are now 1–4 months behind on your mortgage with no new income yet.
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Reduced Hours / Pay Cut
Your employer cut your hours or salary and your mortgage payment now exceeds what you can afford each month.
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Business Closure
Your self-employed business closed or revenue dropped sharply, eliminating the income you relied on to pay your mortgage.
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Industry Disruption
A sector-wide downturn, seasonal work gap, or contract ending has left you without stable income and behind on payments.
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Waiting on New Job
You have a new job lined up but the gap in income has caused you to fall behind and you need time to catch up.
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Spouse Lost Income
Your household relied on two incomes and your spouse's job loss has made the mortgage unaffordable on one salary alone.
Your Options — All at No Cost Through HOAP
Loan Modification — We negotiate with your servicer to permanently lower your rate, extend your term, or defer missed payments so your monthly payment becomes affordable again.
Forbearance Agreement — Temporarily pause or reduce your payments for 3–12 months while you find new employment, with no foreclosure action during that period.
Repayment Plan — Spread your missed payments over 12–24 months added on top of your regular payment — keeps you in your home without a lump-sum catch-up.
Quick Cash Sale — Sell to a vetted cash buyer in 7–21 days with no repairs, no listing, and no commissions. Stop foreclosure and walk away with cash.
Short Sale — If you owe more than the home is worth, sell with lender approval and have the remaining balance forgiven — far less credit damage than foreclosure.
Foreclosure Defense — Access licensed foreclosure attorneys through HOAP at no out-of-pocket cost. Legal representation at mandatory settlement conferences buys critical time.
How HOAPnet Helps — 4 Simple Steps
1
Free Consultation
Call (516) 336-9293 or fill out the form below. Tell us your situation — everything is confidential.
2
Meet Your HOAP Specialist
A licensed real estate professional is assigned to your case at no cost and reviews all your options.
3
Your Custom Action Plan
Your Specialist builds a plan tailored to your goals — whether you want to keep or sell your home.
4
We Execute Together
Your Specialist handles lender communications, paperwork, and coordination until your goal is achieved.
Get Your Free Consultation Now
Tell us about your situation and a HOAP Specialist will contact you the same day. No cost. No obligation. Completely confidential.
Yes. Lenders regularly approve loan modifications for homeowners who have experienced job loss or income reduction. HOAPnet negotiates modifications at no cost through the HOAP program, including for homeowners who have been previously denied.
Federal law generally prohibits lenders from starting foreclosure until you are 120 days (4 months) delinquent. New York also requires a 90-day pre-foreclosure notice. Act immediately — earlier action always means more options and better outcomes.
Yes. If you are collecting unemployment, you may still qualify for a loan modification, forbearance, or repayment plan. Many lenders consider unemployment income as part of your financial picture. HOAPnet knows how to present your case effectively.
Forbearance is a temporary pause or reduction of your payments, typically 3–12 months. It stops the foreclosure clock while you stabilize. After forbearance ends, a repayment plan spreads the missed amount over time. HOAPnet negotiates forbearance at no cost.
No. HOAPnet's Homeowner Assistance Program (HOAP) is completely free to qualified homeowners. There are no upfront fees, consulting fees, or hidden costs of any kind.
You worked hard for your home. A job loss shouldn't mean losing it.
HOAPnet's HOAP Specialists have helped hundreds of homeowners navigate job loss and income hardship without losing their homes — at zero cost. Your free consultation is waiting.