Additional Mortgage Help Resources

Additional Mortgage Help Resources

Additional state programs may be available if you are continuing to experience difficulty in making mortgage payments or facing foreclosure. The following state programs may be able to assist you. For more information, visit the Treasury website


Through the American Rescue Plan Act’s Homeowner Assistance Fund, California is expected to receive $1.055 billion to help homeowners who have fallen behind on their mortgage payments during the COVID-19 pandemic. For information on the status of the program and to view the plan which was submitted to U.S. Treasury on August 19, 2021, please visit the California Mortgage Relief page.


The Colorado Foreclosure Hotline offers a free, immediate resource to Colorado homeowners. Call now to receive free, in-person counseling from non-profit, HUD-approved housing counselors. They 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. For help, call 1-877-601-HOPE (4673).


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: 1-800-831-7225 (toll-free) 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 found on their portal.


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 their informal dispute resolution program, they provide information to homeowners on their rights and options and, where possible, helps homeowners obtain loan modifications and resolve disputes relating to their mortgage. The Attorney General’s Office also provides referrals to non-profit legal aid organizations that may be able to offer additional help to homeowners. They also investigate fraud allegations and predatory lending.

For more information, contact the Illinois Attorney General’s Homeowner Helpline at 1-866-544-7151. You can also visit their website.


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 help 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

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: You may request language access services when you call them. If your primary language preference is Spanish, you may request their Spanish monthly billing statements by calling their Customer Service Department at 800-777-4001. You can also find translation and descriptions 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.


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 help 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
  • Homeowners who are current, but underwater
  • Homeowners 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.

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


Housing counselors and legal assistance may be available at little or no cost to you. If you would like help 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