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🏠 Keep Your Home

Every Option to Stop Foreclosure
and Keep Your Home

Facing foreclosure doesn't mean losing your home. HOAPnet's free HOAP program connects you with a licensed Homeowner Counselor who negotiates with your lender and fights for your home — at zero out-of-pocket cost.

Get Free Help Now → 📞 (516) 336-9293
100%Free to You
$0Out-of-Pocket
500+Families Helped
Same DayResponse

Options to Keep Your Home — All Free Through HOAP

01

Loan Modification

We negotiate with your servicer to permanently lower your interest rate, extend your term, or defer missed payments — making your monthly payment affordable again. The most common solution for homeowners who want to stay.

02

Forbearance Agreement

If your hardship is temporary, we negotiate a forbearance that pauses or reduces your payments for 3–12 months. A structured repayment plan follows — no lump-sum catch-up required.

03

Repayment Plan

Missed payments spread over 12–24 months added on top of your regular payment. Keeps you in your home and resolves the arrears over time — no large lump sum required.

04

Refinance

If you have sufficient equity and qualifying income, refinancing into a new mortgage can permanently lower your rate and payment. HOAPnet connects you with licensed mortgage professionals.

05

Foreclosure Defense

Access licensed foreclosure defense attorneys through HOAP at no out-of-pocket cost. Legal representation at NY mandatory settlement conferences buys critical time and often achieves a negotiated resolution.

06

Bankruptcy (Last Resort)

Chapter 13 can stop foreclosure immediately and let you catch up on missed payments over 3–5 years. HOAPnet refers you to bankruptcy attorneys at no cost when appropriate.

Find Your Situation

Job Loss

A layoff has made payments impossible. We negotiate a modification or forbearance to buy time.

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Medical Bills

Medical hardship is widely accepted by lenders. We document your case and negotiate a resolution.

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Divorce

If one spouse can qualify, a modification can make the home affordable on a single income.

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Reverse Mortgage

Tax, insurance, or occupancy defaults require immediate specialized action.

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Inherited Home

Inherited a home with a mortgage in default? Act before foreclosure claims the property.

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Landlord / Investor

Non-paying tenants or vacancies are killing your cash flow. We help before it becomes a foreclosure.

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Get Free Help Keeping Your Home

Tell us your situation and a HOAP Counselor will build your personalized plan within 48 hours — at no cost.

✓ 100% Free — No out-of-pocket cost
✓ Licensed real estate professionals
✓ Same-day response
✓ Serving NY · NC · FL · SC · GA · AL
Or contact us directly:
📞 (516) 336-9293
✉ info@hoapnet.com

🔒 Confidential · No fees ever · Licensed professionals

Your home is worth fighting for — and we'll fight for free.

HOAPnet's HOAP Counselors have helped hundreds of families keep their homes through loan modifications, forbearance, and legal assistance — all at zero cost.

Get Free Help →
or call: (516) 336-9293