Mortgage Hardship Programs
Behind on mortgage payments? Get a Fresh Start Today!
Our process is different, we qualify you based on hardship, work experience and education; not your credit score.
Do you qualify?
- Minimum of 60 days or more late on payments
- Pre-foreclosure or Foreclosure ok
- Bankruptcy ok
- Previous Modification ok
- Low Credit score ok
- Denial from your lender ok
Minimum Requirements
Borrowers who meet these minimum requirements can apply.
- Must be 60 days or more behind on payments
- Must be currently employed or have income; Self Employed ok.
- Only for mortgage balances of 125k or more
- Must have a financial or other hardship
Apply Now
Quick Streamline qualifying, hardship based so no credit check or requirements.
5 minute phone call: 866-818-9192
Let’s Chat!
OR
Available programs
Two tiers of programs that help borrowers get relief.
Both programs are good for people behind on payments before the Pandemic or because of it.
Tier 1
Full Circle Program
Get a fresh start and relief time to catch up on other bills.
- Get Current: Fresh Start on Back payments
- 60 to 90 days relief
- Pre-foreclosure or Foreclosure ok
Tier 2
Paused payments
For lost/reduced income or job layoff
- Deferred payment for 60 to 90 days
- Consideration for Tier1 Program after the deferment period
- Time to get back on financial track
Here is how it works
Our process is different, we know your hardship is more than numbers so we qualify you based on hardship, long term work experience, and education not your credit score.
It’s simple, if you are working and ready to start making regular mortgage payments again then lets make a plan to get you a fresh start today.
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Application
Tell us about your hardship; answer a few questions to get instant pre-approval or denial, and get real strategies to reach fresh start.
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Underwrite & Verify
Every hardship is different, so we utilize a proprietary underwriting process to confirm your eligibility without digging through a mountain of paperwork.
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Review Your Options
Easily see how new options provide a roadmap to a fresh start, catch up on bills and rebuild credit. Now you can make an educated decision.
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Enrollment
Once you make a decision we can use our streamline enrollment process to get you started with no delayed follow-up calls, no excessive paperwork.
See what our customers are saying
The business & consumer community have spoken, it’s time to rethink how we shop for mortgage help.
Verified Credentials, verified results.
Community of Trust
Lenders Portal Direct is a part of BBB’s vision to support an ethical market place based on mutual trust between buyers and sellers.
Knowledge through sharing
5 star rating year after year has put Lenders Portal Direct among the top of trusted shopping services. Efficient, direct, and with usable options for many consumers.
Proudly Serving Our Heroes
We celebrate and support our heroes during this challenging time. Essential workers, military veterans, police, firefighters, medical
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“ I’m self employed and my lender said I didn’t have the proper documentation and gave me the run around. I called LPD, talked to Stephen, great guy. Ran the application, got me an approval in 2 days. When the processed finished my interest rate dropped to 3.75% and they saved me $285.00 per month. Highly recommend, especially for Self employed people! ”
Sarah Ann
Boise, ID
Why are we different?
Simple, we are real people with classic business principles. We are your personal shopper to help get you the best deal and bounce ideas off of. No wrestling with a phone maze to reach a real person, no bots. You remember those days? Your home needs are not automated and cookie-cutter so neither is our process. Even if we can’t help, we will pass on some knowledge to point you in a good direction. Worse case, you get helpful information and make a new friend.
Single point of contact
Single point of contact
More solutions
More solutions
Experience
Experience
Consistent updates
Consistent updates
Here is our client reviews
You don't have to face this hardship alone.
Let's get you a personal helper today, 6 days week.
Business and Live chat Hours:
Business hours: 8AM to 7PM PST Monday -Friday. Saturday 9AM to 12PM PST.
A little heads-up, we are real people with families, friends, hobbies and support youth arts. We believe in balance between good business and life fulfillment. Our business hours reflect this philosophy.
Meet Alina
Home Preservation Specialist
"I try my best to listen, understand my clients goals and provide practical solutions that solve todays problem without creating another problem down the road."
