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Let’s see whether a loan modification is worth exploring
This is an educational review, not an approval, denial, or eligibility decision. Your detailed answers are saved privately to your member account so you can return later.
You previously completed this assessment. Your saved answers are loaded below so you can review or update them.
How would you describe your current mortgage situation?
Choose the answer that best reflects where things stand today.
What is the primary reason for the payment difficulty?
Choose the main reason. You can identify additional factors below.
Is the hardship temporary or long-term? Select any additional circumstances that apply.Tell us about the property.
Existing dashboard information is used when available. Missing information does not prevent you from taking the assessment.
You can update the complete property profile later from My Property.
Provide an approximate monthly financial snapshot.
Estimates are acceptable for this educational review. A servicer will require verified figures for an actual application.
This ratio is only an educational estimate. Servicers use verified income, escrow figures, investor rules, and their own calculations.
If the payment were reduced, could you continue making payments?Tell us what you know about the mortgage and foreclosure status.
Choose “Not Sure” whenever information is unavailable.
Which documents do you already have available?
Select every item you can currently locate.
Income documentsReview your answers before saving the result.
You can go back and change anything. The score is educational and does not determine lender eligibility.
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What this result means
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This assessment is for educational purposes only. It does not determine approval or eligibility for any mortgage assistance program. Program availability and eligibility are decided by the mortgage servicer, lender, investor, insurer, or guarantor. Court and foreclosure deadlines should be independently verified.