Foreclosure Defense & Mortgage Relief

Protect your American dream of owning a home.

If you're behind on your mortgage or facing foreclosure, you have options — and you don't have to face the bank alone. National Home Solutions helps homeowners understand their rights and pursue the relief programs they may qualify for.

No-cost, no-obligation review Reply within 1 business day Confidential & secure

Check your options in minutes

Tell us where things stand. A homeowner advocate will follow up to review your situation.

By submitting, you agree to be contacted about mortgage relief options. We never charge a fee to review your case. Your information is kept private.
7
Relief programs we help navigate
50
States served nationwide
24/7
Online case intake
$0
Cost to see if you qualify
Who we are

A dedicated advocate between you and your lender.

National Home Solutions is a homeowner advocacy organization built for families caught in the hardest moments of homeownership. When mortgage payments become unmanageable, the paperwork is overwhelming and lenders feel impossible to reach — we step in to translate the process, protect your rights, and pursue every option available to keep you in your home.

Our team and network of experienced professionals guide you through federal and state relief programs, negotiate directly with servicers on your behalf, and connect you with independent legal counsel when your case calls for it. We work for homeowners — never the banks.

Our commitment to you

  • We put homeowners first. Your goals — staying in your home, protecting your credit, buying time — shape every step we take.
  • We keep it clear. No jargon and no false promises — just honest guidance on what's realistic for your situation.
  • We know the programs. From loan modifications to hardship funds, we help match you to the relief you may qualify for.
What we do

Support at every stage of mortgage hardship.

Whether you're a step behind or staring down a sale date, our services are built to give you time, leverage, and a clear path forward.

Loan Modification

We help you request changes to your interest rate, term, or principal so your monthly payment fits what you can actually afford.

Foreclosure Defense

Facing a Notice of Default or Sale? We help you understand your rights, respond on time, and pursue options to halt or delay the process.

Mortgage Restructuring

When a simple modification isn't enough, we work with your servicer on repayment plans and restructuring that reflect your real budget.

Homeowner Rights Education

Knowledge is leverage. We explain what your lender can and cannot do, so you make decisions from a place of confidence — not fear.

Legal Counsel Network

Some cases need an attorney. We connect qualifying homeowners with independent law firms experienced in foreclosure and consumer protection.

Government Program Guidance

Federal and state relief programs come with dense guidelines. We help you find the ones you may qualify for and prepare a complete application.

Relief programs

Options we help homeowners pursue.

Federal and state programs have helped homeowners lower payments, pause foreclosure, and stay in their homes. Availability and eligibility change over time — we help you understand which options apply to your situation today.

LM

Loan Modification

A permanent change to the terms of your existing loan to reach an affordable payment.

HARP

Refinance Programs

Refinancing options for homeowners who owe close to — or more than — their home's value.

HHF

Hardest Hit Fund

State-administered assistance for homeowners in areas hit hardest by economic downturns.

UP

Unemployment Program

Temporary payment relief for homeowners who have lost income due to unemployment.

PRA

Principal Reduction

Programs that may reduce the principal balance owed for eligible underwater borrowers.

HAFA

Foreclosure Alternatives

Structured short-sale and deed-in-lieu options for a graceful exit when staying isn't possible.

2MP

Second Lien Relief

Assistance addressing second mortgages and liens alongside a first-loan modification.

HAP

Hardship Assistance

Guidance on servicer hardship programs and forbearance for temporary financial setbacks.

?

Not sure what fits? →

Start a free review and we'll help identify the programs you may qualify for.

How it works

A clear, three-step path to relief.

From your first message to a resolution, you'll always know what's happening and what comes next.

1

Free case review

Share your situation through our secure form or by email. There's no cost and no obligation — just a real conversation about where you stand.

2

Eligibility assessment

We put your case through the guidelines of relevant relief programs to identify the options you may qualify for and what each one requires.

3

Your personalized action plan

We prepare your paperwork, advocate with your servicer, and — when needed — connect you with independent legal counsel to move your case forward.

Know your stage

Understand the foreclosure timeline.

Foreclosure moves in stages — and at each one, you still have options. The earlier you act, the more paths remain open. Reach out at any point on this line.

Stage 01

Missed Payments

Falling behind starts the clock. Acting now — before any notice — gives you the widest range of relief options.

Stage 02

Notice of Default

Your lender formally records that you're behind. This is a critical window to respond and pursue a modification or plan.

Stage 03

Notice of Intent to Foreclose

A warning that formal proceedings are coming. Options still exist, but deadlines tighten — timing is everything.

Stage 04

Notice of Sale

A sale date is set. Even here, it may be possible to delay or stop the sale — but you must act immediately.

Why homeowners choose us

On your side, at every step.

Homeowner-first, always

We're paid to advocate for you and your goals — not to protect a lender's bottom line.

Fast, dependable response

Foreclosure stress doesn't keep business hours. Submit your case any time and we'll reply within one business day.

Experienced network

When your case needs an attorney, we connect you with independent law firms that focus on foreclosure.

Private & secure

Your information stays confidential. We treat your case with the discretion this moment deserves.

Common questions

Answers for worried homeowners.

Does it cost anything to find out if I qualify?
No. Your initial case review is completely free and comes with no obligation. We'll look at your situation and explain your realistic options before you decide anything.
Can you really stop my foreclosure?
Every case is different, and no one can honestly promise a specific outcome. What we can do is help you understand your rights, meet critical deadlines, and pursue the programs and defenses that give you the best chance of staying in your home. The earlier you reach out, the more options you're likely to have.
I've already received a Notice of Sale. Is it too late?
Not necessarily. Even after a sale date is set, it may be possible to delay or stop the sale — but time is extremely limited at this stage. Please reach out right away through our case review form so we can assess your situation immediately.
Are you a government agency?
No. National Home Solutions is a private homeowner advocacy organization. We are not affiliated with, endorsed by, or acting on behalf of any government agency or your lender. We help homeowners understand and pursue relief programs that may be available to them.
Do you provide legal advice?
We provide guidance, advocacy, and education — not legal advice. When a case calls for an attorney, we connect qualifying homeowners with independent, licensed law firms experienced in foreclosure and consumer protection.
How do I get started?
Complete the free case review form on this page, or email us at contact@nationalhsolutions.org. An advocate will follow up to talk through your situation and next steps.
Get help today

Let's review your case — free and confidential.

Reach out however you're most comfortable. There's no cost to talk, and no obligation to move forward.

Email
contact@nationalhsolutions.orgWe reply within one business day
Mailing address
105 Maxess Road, Suite S124Melville, NY 11747

🔒 Your information is confidential. We never charge a fee to review your case.