How it Works

Mortgage Relief Online helps US homeowners determine if they are eligible for a loan modification or a refinancing option under the MHA guidelines.

Here's how this free program works:

1. Click the "Start Now" button and complete a short online form about your current housing and mortgage situation.

2. Based on the information you enter, we'll present you with one of the following options:

   • Eligible for a loan modification and credit counseling

     Homeowners who appear to meet the guidelines for a loan modification under the program will be provided with step-by-step instructions for gathering the information they will need to request a loan modification and be asked to provide contact information.

   • Eligible for refinancing

     Homeowners who appear to meet the guidelines for a refinancing option under the program will be provided with information they will need prior to contacting their mortgage servicer and requesting to refinance.

   • Eligible for credit counseling

     Homeowners eligible for credit counseling will be asked for contact information. A certified professional counselor will contact you to discuss possible debt and budget solutions based on your specific circumstances.

   • Not eligible for mortgage relief

3. If you're eligible for credit counseling, you'll also participate in steps 3 & 4 shown below. If you meet the requirements for a loan modification, you'll also participate in steps 3, 4 & 5.

4. Your information will be securely transmitted to Money Management International – the largest nonprofit consumer credit counseling agency in the US who employs certified professional counselors.

5. A certified professional counselor from Money Management International will contact you and assist you through the loan modification process. There is no charge for these services; they are explicitly chartered to help consumers through difficult financial circumstances.

6. Money Management International will submit your mortgage relief information to your servicer. Your servicer will then work with you to determine the best next step.