See what mortgage help you may qualify for

For educational purposes only. This is an estimate, not advice or an approval. It will never contact your lender or collect your information, and your mortgage servicer always makes the final decision.

What kind of mortgage do you have?

Tap the one that sounds like yours. Not sure? That's most people — tap the last option and we'll figure it out together.

Paste loan details instead → fills the form in one step (optional)

The loan

Loan type

If your payment has never changed on its own, it's almost certainly fixed. Adjustable (ARM) rates move on a schedule.

Current interest rate

It's on every mortgage statement.

How much do you still owe? (principal balance)

On your statement as "principal balance" — not the payoff quote.

Monthly payment (principal & interest only)

Your statement splits the payment — enter just the "principal & interest" line, not the total with taxes/insurance.

How many months are left on the loan?

months left

Not sure? Skip it — we'll estimate from the start date (assuming a 30-year loan) and say so in your results.

About what is the home worth today?

A rough idea of what it would sell for is fine — a Zillow-style estimate works.

Where is that value from?

History

Prior payment deferral in the last 12 months?

A deferral moved missed payments to the end of the loan — you'd have signed paperwork for it.

A completed modification in the last 12 months?

A failed trial-period plan in the last 12 months?

A trial-period plan = about three test payments at a new amount before a modification becomes final. Converting a trial plan to forbearance is not a failure.

Hardship

What caused the hardship?

Ability to pay

Can you resume the full monthly payment going forward?

Could you pay the entire past-due amount right now, in one payment?

Can you afford a short-term repayment plan (regular payment plus a bit extra)?

FHA loss mitigation

This is an estimate — your servicer and HUD make the final decision.

Is this a reverse mortgage (HECM) — a loan with no required monthly payments?

The loan

When did the loan start?

Your best memory of the month you closed is fine.

How far behind are you?

payments behind

Exact total past-due amount (optional — sharpens the estimate)

Current interest rate

It's on every mortgage statement.

How much do you still owe? (principal balance)

On your statement as "principal balance" — not the payoff quote.

Monthly payment (P&I only)

Your statement splits the payment — enter just the "principal & interest" line, not the total with taxes/insurance.

Existing partial-claim / payment-supplement balance (if any)

Help HUD already gave you before — a zero-interest "partial claim" you signed for (many homeowners did after COVID). Not sure? Skip.

Hardship & goal

What caused the hardship?

In an active bankruptcy case?

Can you resume your current payment, or do you need it lowered?

History & eligibility

A permanent FHA home-retention option in the last 24 months?

Do any of these apply?

You own another FHA-insured home · an FHA insurance claim was paid on a past loan of yours in the last 3 years · you've been barred from federal programs · you owe unpaid federal debt (other than taxes). Pick "Not sure" if you're unsure.

VA loss mitigation

This is an estimate — your servicer and the VA make the final decision.

The loan

When did the loan start?

Your best memory of the month you closed is fine.

How far behind are you?

payments behind

Exact total past-due amount (optional — sharpens the estimate)

Current interest rate

It's on every mortgage statement.

How much do you still owe? (principal balance)

On your statement as "principal balance" — not the payoff quote.

Monthly payment (P&I only)

Your statement splits the payment — enter just the "principal & interest" line, not the total with taxes/insurance.

Eligibility

Is this your primary residence?

Does the current past-due amount include a payment first missed between March 2020 and May 2025 that is still unpaid?

This only decides which assistance cap applies — "Not sure" is a safe answer.

Any prior VA partial claim, COVID-19 VA partial claim, or COVID refund modification?

A partial claim = the VA covered your missed payments and you signed a separate zero-interest note (common during COVID).

Has this loan been modified before?

In an active bankruptcy case?

Has a foreclosure been filed or noticed?

Hardship & ability to pay

What caused the hardship?

Can you resume the normal payment within ~90 days?

Can you pay the full past-due amount soon (lump sum)?

Can you afford the normal payment plus a monthly catch-up?

Talk to a real person — for free

This tool only shows what you might qualify for. To get actual help, these services are free and unbiased:

HUD-approved housing counselor (free): call the Homeowner's HOPE™ Hotline at 888-995-HOPE (4673), or find a counselor near you ↗.
Consumer Financial Protection Bureau: consumerfinance.gov ↗ — plain-language guides on your rights and options.
Your mortgage servicer: the number is on your monthly statement. Ask about "loss mitigation" or "home-retention options" — and ask for any offer in writing.

Important — please read

For educational purposes only. This is a free estimate based on published Fannie Mae, Freddie Mac, FHA, and VA guidelines. It is not legal, financial, or tax advice, and it is not a substitute for the advice of an attorney, and it is not an approval, offer, or guarantee. Only your mortgage servicer and the company that owns or insures your loan can decide whether you actually qualify and what your terms would be — and they are not required to change your loan.

This is not a government website and is not affiliated with, endorsed by, or approved by any government agency, HUD, the FHA, the U.S. Department of Veterans Affairs, Fannie Mae, Freddie Mac, or your lender or loan servicer. It does not collect, store, or transmit any of your information and it will never contact your lender for you.

Keep making your mortgage payments and stay in contact with your servicer. You may stop using this tool at any time. Be careful of scams: no legitimate service should ask you to pay a fee in advance, stop paying your mortgage, or stop talking to your servicer, and you should never pay for help before you have a signed offer from your servicer in hand.

Why is this free? This site charges nothing, shows no ads, sells nothing, collects nothing, and receives no compensation of any kind related to your mortgage or the choices you make. Program criteria were last verified against the published guidelines in July 2026.

© 2026 LossMitCheck.com · Privacy Policy · Terms of Use · Accessibility
Free educational tool. Estimates only — not an eligibility determination. Not affiliated with any government agency, Fannie Mae, Freddie Mac, or any lender or servicer.

See what mortgage help you may qualify for

Settings — Fannie Mae Modification Interest Rate

What kind of mortgage do you have?

The loan

History

Hardship

Ability to pay

Because you're less than 60 days late…

Results

FHA loss mitigation

The loan

Hardship & goal

History & eligibility

Because you're less than 3 months behind…

VA loss mitigation

The loan

Eligibility

Hardship & ability to pay

Talk to a real person — for free

Important — please read