You may feel like there are no choices if you are struggling to make your mortgage payments or foreclosure is near. Help is available. 

• Options to Stay in Your Home
  Whether your hardship is short term or long term, there are options to stay in your home.
  
• Options to Leave Your Home
  Deciding to stay in a home you can no longer afford or leave your home is a difficult decision. Learn more about your options if you choose to leave your home.
  
• Resources
  Find information about additional help.
  
• Next Steps
  Learn more about how to apply and what to expect when working with our Loss Mitigation Department.
  
• Third Party Authorization
  Download a third party authorization form if a realtor, HUD approved housing counselor, or other third party will be assisting you with loss mitigation.