We can help you avoid foreclosure.

Struggling with mortgage payments? We offer support and resources for those who may be in danger of losing their homes due to financial struggles.

Get back on track.

Hardship Assistance

Our Hardship Assistance program is designed to provide you with immediate relief. Hardship can allow you to pause your payments to give you some time to catch back up.

Loan Modification

Loan Modification can tailor your loan to fit your life with adjusted terms that could lower your monthly payments, extend your loan period, or even reduce the principal balance.

Forbearance

Forbearance can allow you to pause or reduce your mortgage payments temporarily, giving you the breathing room to recover financially without the immediate pressure of foreclosure.

  • Pause or reduce your mortgage payments for up to 12 months.

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  • Clients working with us are 30% more likely to secure extended forbearance terms when needed, ensuring flexibility.

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  • With our support, clients see approval rates 20% higher than the national average, thanks to our lender relationships and detailed guidance.

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Hardship

Our Hardship assistance service is designed to help you navigate through tough times by working to find a solution that fits your situation. Whether it's due to job loss, medical expenses, or other unforeseen circumstances, hardship assistance could reduce or suspend your mortgage payments for a set period. This isn't just about delaying payments; it's about crafting a manageable financial future. Contact us today to explore your options and keep your home secure during challenging times.

Loan Modification

Loan Modification offers a solution by altering your loan's terms—potentially lowering your interest rate, extending the loan term, or even reducing your principal balance. This could lead to lower monthly payments that suit your current financial standing better. It's not just about managing today's payments but setting up a sustainable payment plan for your future. Learn more to see if you qualify for a modification that could make your homeownership journey smoother and more affordable.

Forbearance

Learn how Forbearance can help you pause your payments for a certain period. This isn't a loan modification but a temporary relief, allowing you to catch your breath financially without the immediate pressure of monthly mortgage dues. Ideal for those facing short-term financial hiccups, forbearance gives you time to stabilize your finances without affecting your credit score. Reach out, discuss your situation, and let's find a path forward together.

What is a short sale?

A short sale is a form of loss mitigation. It involves selling your home for an amount that may be lower than the remaining balance on your mortgage, in order to avoid foreclosure.

  • "I was 3 months behind on my mortgage payments. Without the help of New Horizons, I would've lost my home."

    Richard Wells

  • "The people were very professional. They helped me access my home equity when I needed it most."

    Donna Perkins

  • "I would be homeless right now if I hadn't contacted New Horizons. Highly recommended!"

    Theo Lee