Mortgage Default

The Foreclosure Counseling Program (FCP) can provide you with extensive housing and financial counseling services that can help you save your home and become more financially stable. In addition, FCP agencies (such as HANDS) provide the following services as part of the Program:

- Assistance with developing a budget;
- Assistance with developing a financial action plan;
- Comprehensive financial management education;
- Assistance working with your lender regarding a mortgage loan modification to retain your home, or another alternative housing solution; and
- Credit counseling and assistance to help improve your credit score.

Veteran Program

Veterans Program

Please download, complete and send the application form to HANDS, via email, fax or mail to be considered for this program.

Click here for Application Form


The federal government has allocated funding to help pay the mortgages of qualified homeowners who are unemployed or underemployed through no fault of their own.

Homeowners who qualify for financial assistance may receive up to 12 months of monthly mortgage payments and/or funds to pay past due mortgage payments to bring the mortgage current; these funds are paid directly to the loan servicer/lender.