Repayment Plan
A repayment plan lets you catch up on missed payments over a set number of months. You make your normal payment plus an extra amount until the past-due balance is cleared.
Best for
Homeowners who are only a few months behind and whose income has recovered enough to handle a temporarily higher payment.
Before you agree
- Build a realistic monthly budget first.
- Get the full plan in writing, including the amount and due date of every payment.
- Ask what happens if you miss a plan payment.
If the payment is too high
Don't agree to a plan you can't keep. Ask about a modification or deferral instead — a failed plan can put you back where you started with less time.
Keep exploring
Home Preservation Program
A sale with a lease-back and a possible option to repurchase — not a loan or a guarantee.
Learn moreSell Before the Auction
A fast, as-is cash sale that can protect your equity and let you leave on your terms.
Learn moreLoan Modification
Permanently change your loan terms so the monthly payment fits your budget.
Learn moreYou don't have to figure this out alone
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