Medical Bills Destroying Your Finances?
We Can Help You Keep Your Home — Free.
A serious illness, injury, or mounting medical debt can drain your savings and eliminate your ability to make mortgage payments in a matter of months. HOAPnet's free Homeowner Assistance Program (HOAP) helps homeowners facing medical hardship stop foreclosure and find a real solution — at absolutely no out-of-pocket cost.
A cancer diagnosis, heart attack, stroke, or other serious illness has resulted in months of lost work and mounting medical bills.
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Disability / Long-Term Injury
An injury or disability has permanently or temporarily reduced your ability to earn income, making your mortgage unaffordable.
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Chronic Illness
Ongoing treatment costs for a chronic condition like diabetes, MS, or kidney disease are consuming your income and leaving nothing for the mortgage.
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Spouse or Dependent Illness
Your spouse or a dependent's medical crisis has required you to reduce your work hours or cover enormous out-of-pocket medical expenses.
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Denied Insurance Claims
Your health insurance denied coverage for a procedure and you are now responsible for tens or hundreds of thousands in unexpected medical bills.
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Mental Health Crisis
A mental health episode requiring hospitalization or ongoing treatment has impacted your ability to work and maintain your mortgage payments.
Your Options — All at No Cost Through HOAP
Loan Modification — We document your medical hardship and negotiate with your servicer to lower your rate, extend your term, or defer missed payments permanently.
Forbearance Agreement — Pause or reduce your payments for 3–12 months while you recover from illness, with a structured repayment plan after you stabilize.
Government Assistance Programs — We help identify any state or federal homeowner assistance programs you may qualify for based on your specific situation and location.
Quick Cash Sale — Sell as-is in 7–21 days — no repairs, no listing — and use the proceeds to pay off the mortgage, eliminate medical debt, and move forward.
Short Sale — If the home is worth less than the mortgage, sell with lender approval and have the balance forgiven — protecting you from a public foreclosure auction.
Bankruptcy Referral — If medical debt is overwhelming your entire financial picture, we refer you to bankruptcy attorneys at no cost who can evaluate Chapter 7 or Chapter 13 options.
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. Medical hardship is one of the most commonly accepted qualifying reasons for loan modification. HOAPnet prepares complete, professionally documented applications at no cost through the HOAP program, even for homeowners who have been previously denied.
You may qualify for a loan modification, forbearance, or government assistance. Even homeowners on disability income have achieved modifications through HOAP. HOAPnet documents your case and presents it effectively to your servicer.
Typically: a hardship letter, medical bills and hospital statements, a doctor's letter confirming inability to work, evidence of income reduction, and bank statements. HOAPnet helps you prepare all of this documentation for free.
Chapter 13 bankruptcy can stop foreclosure immediately and let you catch up on missed payments over 3–5 years. Chapter 7 can eliminate medical debt and free up mortgage income. HOAPnet recommends exploring all non-bankruptcy options first and can refer you to a bankruptcy attorney if needed.
No. HOAPnet's HOAP program is completely free to all qualified homeowners regardless of the type of hardship. There are no fees, no commissions, and no hidden costs of any kind.
You're fighting enough battles. Let us fight for your home.
HOAPnet's HOAP Specialists are trained in medical hardship cases and know how to present your situation to lenders for the best possible outcome — at zero cost to you.