You searched:
“cannot afford mortgage payments need to refinance”
If your mortgage payment has become unmanageable, you are not alone and you have more options than you think. From refinancing to loan modification to government assistance programs, there are concrete steps you can take right now to prevent foreclosure.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1ARM adjustment increased payment significantlySolution exists
- 2Job change or income reductionSolution exists
- 3Divorce reduced household incomeSolution exists
- 4Property taxes or insurance increased escrow paymentSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Rate-and-Term Refinance
If rates have dropped or your credit has improved, refinancing to a lower rate can reduce your payment by hundreds per month.
Available nowLoan Modification Request
Contact your servicer about modifying your loan terms -- rate reduction, term extension, or forbearance are all possible.
Available nowCash-Out Refinance for Debt Consolidation
If you have equity, consolidate high-interest debts into your mortgage to reduce total monthly obligations.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Falling behind? Call now before it gets worse.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
Click on endorsed states to see our direct resources!
Frequently Asked Questions
It is harder but not impossible. FHA Streamline may work if you are current. Some lenders offer catch-up refinances. Loan modification may be a better first step.
Loan modification through your servicer, forbearance, or government assistance programs like HAF (Homeowner Assistance Fund) may be available.
Most servicers begin foreclosure proceedings after 120 days of missed payments. Contact them immediately -- early communication opens more options.
Falling behind? Call now before it gets worse.
We will reach out at a time that works for you. No pressure, no obligation.