Contact your servicer
Confirm the exact amount due and ask about any available repayment or hardship options.
THE GUIDE
Start with what matters in your situation.
A late payment can narrow your options, but the response depends on the loan, timing, and your situation. Learn what to ask your servicer and when a refinance conversation makes sense.
Protect your options
Bring the mortgage current if possible. Ask for help early, and do not assume a pending refinance stops collections.
Compare paths
A lender can review whether refinancing is realistic; a servicer or housing counselor may offer a better immediate option.
What to prepare
Have your recent mortgage statement and a short account of your goal available for the first conversation. If documents are needed, staff will explain a secure next step.
Never put Social Security numbers or account numbers into a public comment or this review form.
A STRAIGHT ANSWER
Let the details guide the recommendation.
No ad can approve a loan. Program requirements, the property, your documentation, and individual lender terms determine what is possible.
COMMON QUESTIONS
Questions worth asking
What if I am about to miss a payment?
Call your servicer using the number on your statement before the due date. Ask what options are available and get the terms in writing.
Can equity solve a late mortgage?
Equity alone does not establish refinance eligibility. Current payment history, income, program rules, and any existing loss mitigation all matter.