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Struggling with mortgage payments? See these state homeowner assistance resources.

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State Homeowner Assistance Resources

Financially Impacted By COVID-19?

The Homeowner Assistance Fund (HAF) is a federal assistance program that helps homeowners who have been financially impacted by COVID-19 pay their mortgage or other home expenses. Homeowners with financial hardships who have been impacted by COVID-19 can apply for assistance with their mortgage payments, property taxes, and other housing costs.

Learn more about the program at http://www.consumerfinance.gov/haf/ or by contacting a HUD-approved housing counseling agency at (800) 569-4287.

State Assistance Resources

The states listed below offer assistance to homeowners/borrowers that are struggling to make their mortgage payments, are already in a forbearance agreement, or have a dispute with their mortgage servicer or lender.

Click on the state your property is located in for more information. If your state is not listed, check back often as individual states are continually adding or updating services they provide.

Colorado
The Colorado Foreclosure Hotline offers a free, immediate resource to Colorado homeowners. Call now to receive free, in-person counseling from nonprofit, HUD-approved housing counselors. Counselors are available to help homeowners facing foreclosure or attempting to negotiate loan modifications or refinancing from their lender. Since its inception in 2006, four out of five homeowners who have met face-to-face with a housing counselor through the Colorado Foreclosure Hotline have found a successful resolution to their foreclosure situation. Help is available at 1-877-601-HOPE (4673).
Connecticut
The free Foreclosure Hotline is open Monday-Friday 8:00 a.m. to 5:00 p.m. Calls will be returned within two business days. You can also reach the Department of Banking at the following telephone numbers: Toll-free: 1-800-831-7225 and at 860-240-8299.
The Department of Banking (DOB) accepts complaints against any lender or mortgage servicer regarding mortgage modification, risk of delinquency, default and judicial foreclosure of a mortgage on a primary residence in Connecticut. The DOB contact form can be reached at https://portal.ct.gov/DOB/Consumer/Consumer-Complaints/Foreclosure.
Illinois
The Illinois Attorney General’s Office offers free assistance to homeowners who are struggling to make their mortgage payments or have a dispute with their mortgage servicer or lender. Through our informal dispute resolution program, the Illinois Attorney General’s Office provides information to borrowers on their rights and options and, where possible, helps borrowers obtain loan modifications and resolve disputes relating to their mortgage. The Attorney General’s Office also provides referrals to nonprofit legal aid organizations that may be able to offer additional assistance to homeowners. The Attorney General’s Office also investigates allegations of fraud and predatory lending.

Borrowers should contact the Illinois Attorney General’s Homeowner Helpline at 1-866-544-7151 for more information. Borrowers can also visit our website at: www.illinoisattorneygeneral.gov.

Iowa

Iowa Mortgage Help offers Iowans access to free, confidential mortgage counseling with local organizations. When you call, you will be referred to a trained, professional counselor who will listen to your situation and offer assistance and resources that best fit your unique situation. This free service is backed by the Iowa Finance Authority and the Iowa Attorney General’s Office. If you are struggling with your mortgage payment, this free call may help you save your home from foreclosure.

Phone: (877) 622-4866 | Website: IowaMortgageHelp.com

Nevada
Home Again is a public service from the Office of the Nevada Attorney General providing education and assistance for housing and consumer related issues. Counselors at HUD-certified agencies and legal services are available to assist you. Home Again connects Nevadans with resources available through state and federal programs for which they may be eligible. Services are free of charge.

The Home Again program is designed for:

  • Homeowners in need of a loan modification
  • Borrowers who are current, but underwater
  • Borrowers who have lost their homes to foreclosure
  • Households working toward home ownership

Home Again encourages residents to call the hotline (1-855-457-4638) and speak to a representative about their housing situation. The call center is open 8:00 a.m. – 5:00 p.m., Monday – Friday. You may also submit your request via the ‘Contact’ form on our website: homeagainnevada.gov/.

Para asistencia en español llame al 1-855-457-4683 de Lunes a Viernes, de 8 a.m. a 5 p.m. o visite homeagainnevada.gov/espanol.

New York

If you are a New York State homeowner struggling to make payments, or in a forbearance agreement, then you should know your options. Help is available through the NYS Office of the Attorney General’s Homeowner Protection Program (HOPP) at no cost to you.

Call the NYS HOPP Toll-Free Hotline at 1-855-HOME-456 (1-855-466-3456) or go to HomeownerHelpNY.org to get connected with a non-profit housing counselor or legal services organization in your area.

Phone: (855) 466-3456 | Website: HomeownerHelpNY.org

State Disclosure Language Access For New York City Consumers: Rushmore Loan Management Services may provide language access services to consumers who seek to communicate in a language other than English when contacting our customer service center and speaking to a live agent. You can also find translation and description of commonly-used debt collection terms in multiple languages on the New York City Department of Consumer Affairs’ website at www.nyc.gov/dca and at www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page.

Washington

Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your home, you may contact the statewide foreclosure hotline recommended by the Housing Finance Commission.

Phone: (877) 894-4663(HOME) | Website: Homeownership-WA.org

Rushmore Resources Available

You can also contact Rushmore and speak with a Home Retention Counselor at 888.504.7300. Even if you feel you do not have any resources or ability to pay your loan, our Counselors may have options to discuss with you.

In addition to state resources above, visit our Mortgage Assistance webpage to learn more about all options available from Rushmore and how to apply for assistance.