National Mortgage Assistance Center (NMAC)

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How do I know if I qualify for the U.S. Loan Modification Plan?

To apply, you must:

  1. Be an owner-occupant in a one to four unit property,
  2. Have a loan that was originated on or before January 1, 2009,
  3. Have a mortgage payment that is not affordable, perhaps because of a significant change in income or expenses.
  4. Be behind on your mortgage payments over 90 days late

If you answered YES to all of these questions, you may modify your own mortgage directly with your lender, use resources at HUD, or find out now if you qualify for a Loan Modification Plan for free, just fill out the no obligation form below.

ATTENTION: Please do not apply if you are NOT late, these programs are only for homeowners who are already behind in mortgage payments and facing a possible foreclosure in the near future.

Due to the overwhelming number of people affected from the Covid-19 virus, we are unable to field questions about Trump administrations plan to allow homeowners to delay mortgage payments.



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The National Mortgage Assistance Center (NMAC) is a lead generation Website that educates the general public and refers your contact information, at no cost to you, to foreclosure prevention law firms to evaluate qualifications for a mortgage payment reduction. NMAC is not a non-profit organization and not affiliated or approved with any government program. By applying with NMAC does not guarantee a loan modification or foreclosure prevention, and the lender may not approve to change your loan. Do not transfer or surrender property titles at a below-market price to anyone.

Do not bypass the lender and make payments directly anyone else. It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting hud.gov.

NMAC does not send any text messages, SMS messages, robo calls and/or automated software calling, however you consent to our affiliates and partner law firm clients will contact you by phone, email or text/SMS even if your number is on a National or State Do Not Call List by submitting our form. Your consent does not require you to purchase any services.
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