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Homeowner Foreclosure Prevention
Household budget worksheet with a catch-up payment schedule

Repayment Plan

Catch up on missed payments gradually — no lump sum required.

See If This Fits My Situation

How it works

  1. 01Size the arrearsAdd missed payments, late fees, and any escrow shortage — that's the amount to spread.
  2. 02Agree the scheduleThe servicer divides the arrears across an agreed number of months on top of your regular payment. Longer plans mean smaller add-ons.
  3. 03Perform to completionMake every payment on time and the loan is current at the end; foreclosure activity stops while you perform.

Advantages

  • No lump sum needed
  • Fast to set up
  • Loan terms stay unchanged
  • Foreclosure pauses while you perform

Trade-offs

  • Monthly outlay is temporarily higher than normal
  • Requires genuinely restored income
  • Missing a plan payment can restart everything

Best for

  • Hardship is over and income is restored
  • A few months behind, not deeply delinquent
  • Homeowners who can pay a bit more than the normal payment
FAQ

Repayment Plan questions

How long can a mortgage repayment plan last?

Commonly three to twelve months. If you'd need longer than that to catch up, a loan modification that rolls the arrears into the loan is usually the better tool.

General information, not legal or financial advice. Results depend on your lender, loan, and state. Homeowner Foreclosure Prevention charges no upfront fees; free HUD counseling is available at 800-569-4287.

Next step

See if repayment plan fits your situation

Answer a few quick questions and a specialist will rank every option for your exact circumstances — this one included.

  • Foreclosure specialists, no pressure
  • Every option explained in plain English
  • Free consultation — no upfront fees

See your options

Free & confidential · foreclosure specialists

Step 1 of 50%

Start with your home address.

Let's see your options

Your information is secure and private.

Takes less than 30 seconds · Free review · No obligation

Homeowner reviews

Trusted by homeowners like you

Real stories from families we've helped face foreclosure with a plan.

“They explained every option without pressuring me toward any of them. First time in months I felt in control.”
JJessica T.Homeowner · TX
“Three months behind and panicking. The specialist got my servicer on a modification review within the week.”
VVictoria L.Homeowner · FL
“I finally understood what the letters from the bank actually meant. Plain English, real deadlines, real options.”
BBradley O.Homeowner · CO
“The consultation was actually free — no upfront fees, no bait and switch. Just straight answers.”
SShannon M.Homeowner · AZ
“We kept the house. Payment came down, missed payments moved to the back of the loan. Life-changing.”
JJose R.Homeowner · CA
“I chose to sell, and they helped me do it on my schedule instead of the auction's. Kept my equity.”
MMarcus D.Homeowner · GA
“Had an auction date 5 weeks out and still found a path. Don't assume it's too late — call.”
PPriya N.Homeowner · NY
“After my husband's surgery we fell behind fast. Forbearance gave us room to breathe and catch up.”
KKaren S.Homeowner · NC
“No judgment, no scripts. They'd clearly helped a hundred people in my exact situation.”
TTom B.Homeowner · OH
“The repayment plan let us catch up a little each month. No lump sum, no losing the house.”
AAisha R.Homeowner · IL
“One phone call replaced weeks of panic-googling. I knew my state's timeline and my real deadlines.”
DDaniel K.Homeowner · WA
“They answered on a Saturday and treated it like the emergency it felt like. Forever grateful.”
EEthan W.Homeowner · MI
“They explained every option without pressuring me toward any of them. First time in months I felt in control.”
JJessica T.Homeowner · TX
“Three months behind and panicking. The specialist got my servicer on a modification review within the week.”
VVictoria L.Homeowner · FL
“I finally understood what the letters from the bank actually meant. Plain English, real deadlines, real options.”
BBradley O.Homeowner · CO
“The consultation was actually free — no upfront fees, no bait and switch. Just straight answers.”
SShannon M.Homeowner · AZ
“We kept the house. Payment came down, missed payments moved to the back of the loan. Life-changing.”
JJose R.Homeowner · CA
“I chose to sell, and they helped me do it on my schedule instead of the auction's. Kept my equity.”
MMarcus D.Homeowner · GA
“Had an auction date 5 weeks out and still found a path. Don't assume it's too late — call.”
PPriya N.Homeowner · NY
“After my husband's surgery we fell behind fast. Forbearance gave us room to breathe and catch up.”
KKaren S.Homeowner · NC
“No judgment, no scripts. They'd clearly helped a hundred people in my exact situation.”
TTom B.Homeowner · OH
“The repayment plan let us catch up a little each month. No lump sum, no losing the house.”
AAisha R.Homeowner · IL
“One phone call replaced weeks of panic-googling. I knew my state's timeline and my real deadlines.”
DDaniel K.Homeowner · WA
“They answered on a Saturday and treated it like the emergency it felt like. Forever grateful.”
EEthan W.Homeowner · MI
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