HUD Certified Nonprofit Counseling Services

At NPHS you can pre-qualify for a loan modification based on your Lender’s specific eligibility guideline– at no cost to you!

Simply follow the instructions provided and complete all the fields within the secure application and our probability meter will deliver your probability of getting an approval based on your current financial situation. Then to help increase your probability, follow the proven tips and instructions. Once you have made all the recommended adjustments you can print out a submission-ready package and fax it to us or your lender, as an approved HUD counselor, we negotiate your modification request directly with your Lender. Remember! At NPHS foreclosure prevention assistance is always free!

IMPORTANT: To access our free self assesment website you must use a promotional code.

The defult promotional is shown as following:

You must change it to: free in order to avoid any fees. It is case sensitive! Make sure you entered all lower case.

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Did you know? Even if you have been previously turned down by your Lender for a loan modification, you can re-apply. Many homeowners who were previously denied have found success utilizing our probability meter. Overstating your expenses by as little as $10 can result in your lender declining your loan modification? Our Probability Meter takes the guess work out of the income/expense process. In other words, we have the secret formula. You do not have to be delinquent to qualify for a loan modification. We have successfully helped many people who were still current on their mortgage. If you don’t qualify for President Obama’s new Home Affordable Modification Program, there are alternate modification programs being offered by almost every Lender.

On February 18, 2009, President Obama announced the Homeowner Affordability and Stability Plan to help up to 9 million families restructure or refinance their mortgages to avoid foreclosure. As part of this plan, the Treasury Department announced the Home Affordable Modification Program aimed at helping 3 to 4 million at-risk homeowners.   NeighborWorks America is a national nonprofit organization created by Congress to provide financial support, technical assistance, and training for community-based revitalization efforts. Together, with national and local partners, NeighborWorks creates new opportunities for residents while improving communities.