Finding out if you qualify to apply for either a Home Affordable Refinance
, or a Home Affordable Modification program, could stop you from losing your home and HUD counselors can also help you to compile the documentation you need for your loan provider. Also, HUD will inform you of other options. For example, in addition to HUD's Mortgage insurance programs, run by their Federal Housing Administration, your state or local government may also sponsor programs and an HUD counselor can advise you about other options to help stop foreclosure.