Behind on Mortgage Payments?

Free Refinance Calculator

Behind on Mortgage Payments?

Homeowners with mortgage lates, financial hardship, or prior bankruptcies may still qualify for refinance or foreclosure relief.

Homeowners with mortgage lates, financial hardship, or prior bankruptcies may still qualify for refinance or foreclosure relief.

What would you like help with?

What type of property is it?

Are you currently behind on mortgage payments?

Estimated property value?

Your estimated equity in the property?

What's your estimated credit score?

What's your total household monthly income?

*This can be the total combined income of you, your spouse, and any co-borrowers on the loan application.

Have you or your spouse served in the US military?

Where's the property located?

Where should we send your mortgage relief details?

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☝️ Takes 60 seconds!

Top Foreclosure Bailout Lender

dscr (state)

Loan Factory

Top Rated Mortgage Relief Lender

  • 15 & 30-Year Foreclosure Relief Refinance

  • Cash-Out Refinance for Qualified Homeowners

  • FHA Refinance Options for Mortgage Relief

  • VA Refinance & Mortgage Relief Options

  • Mortgage Relief Refinance Programs

Top Foreclosure Bailout Lender

dscr (state)

Loan Factory

Top Rated Mortgage Relief Lender

  • 15 & 30-Year Foreclosure Relief Refinance

  • Cash-Out Refinance for Qualified Homeowners

  • FHA Refinance Options for Mortgage Relief

  • VA Refinance & Mortgage Relief Options

  • Mortgage Relief Refinance Programs

See If You Qualify for a Foreclosure Bailout Loan

Instant Check - No Credit Score Impact!

  • Check in minutes if you can lower your rate, monthly payment, or cash out

  • No obligation and no impact on your credit score

  • Get personalized refinance options based on your current loan, credit & goals

See If You Qualify for a Foreclosure Bailout

Instant Check - No Credit Score Impact!

  • Check in minutes if you can lower your rate, monthly payment, or cash out

  • No obligation and no impact on your credit score

  • Get refinance options based on your current loan, credit & goals

Frequently Asked Questions...

What is a foreclosure relief refinance loan?

A foreclosure relief refinance is a mortgage solution that may help eligible homeowners lower payments, catch up on past-due amounts, or replace their current loan before foreclosure proceedings advance.

Can refinancing help stop foreclosure?

In some cases, refinancing may help homeowners avoid foreclosure by replacing the existing mortgage with a new loan structure. Timing is critical, and not all borrowers will qualify.

Can I refinance if I’m behind on mortgage payments?

Some homeowners may still qualify for refinance options even with recent late payments. Eligibility depends on factors such as income, equity, loan type, and overall financial situation.

What is a deed in lieu of foreclosure?

A deed in lieu of foreclosure is an agreement where a homeowner voluntarily transfers ownership of the property to the lender to help avoid the foreclosure process.

Can I qualify after bankruptcy?

Certain loan programs may allow refinancing after a bankruptcy filing, depending on the type of bankruptcy, discharge date, and lender requirements.

What if I already received a notice of default?

You may still have options available. Speaking with a licensed mortgage professional as early as possible can help determine whether refinance or other mortgage relief solutions may apply.

Can I get cash out while refinancing?

Some qualified homeowners may be eligible for cash-out refinance options based on available home equity, loan program guidelines, and financial qualifications.

Do I need good credit to qualify?

Credit requirements vary by lender and loan program. Some refinance solutions may still be available for borrowers with past credit challenges.

How quickly should I apply if I’m facing foreclosure?

The earlier you explore your options, the better. Waiting too long can reduce the number of available solutions.

Are FHA and VA refinance options available?

Eligible homeowners with FHA or VA loans may qualify for refinance programs designed to help improve mortgage terms or payment structure.

Will checking my options affect my credit?

Initial consultations or reviewing available loan options may not impact your credit score. A formal mortgage application may require a credit inquiry.

Is approval guaranteed?

No. All mortgage loans are subject to lender review, underwriting guidelines, income verification, credit approval, and property eligibility requirements.

Which areas do you serve?

We proudly serve homeowners throughout California, including many of the state’s most popular cities and counties.

Cities we commonly work in include: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim

Counties we serve include: Los Angeles, San Diego, Orange, Riverside, San Bernardino, Santa Clara, Alameda, Sacramento, Contra Costa, Fresno

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Loan Factory is not affiliated with or endorsed by any government agency. This website is for informational purposes only. This is not a commitment to lend or extend credit. Information and/or rates are subject to change without notice. All loans are subject to credit approval.