We work with the latest cutting edge technology to better serve you and to ensure your success. 

NPHS is an alternative to hiring costly loan modification consultantsNPHS is a lifeline for homeowners looking for mortgage loan modification and short sale help.  Our organization was created in 1991 to offer homeowners an alternative when seeking free assistance.  NPHS recognizes that many homeowners are misled or misinformed about loan modification programs and the short sale process.  Our counselors have found that many think they need to be behind on their mortgage to be eligible for a loan modification – this is a myth!  Many homeowners also feel they need to show their lender that after expenses, they are left without any money remaining to cover the mortgage – another myth!  This new automated tool works with the homeowner to improve the presentation of their financial situation and increase their odds for a favorable loan modification or short sale approval.  Even those at risk of losing their home can benefit from our self-help, online tools; which provides options for maintaining ownership and improving the terms of a mortgage. 

NPHS is an alternative to hiring costly loan modification consultants. 

Instead of spending thousands with someone over the phone to help “fix” a mortgage, NPHS provides you with  a  web based self-guided tool, complete with a Probability Meter™, which offers a step-by-step solution through the loan modification process and puts a submission-ready package into the homeowner’s hands.   At no cost to you, NPHS offers a detailed financial evaluation, with tailored guidance on how best to present a modification or short sale package to a lender for maximum results.  

With NPHS, homeowners now have their financial future in their own hands - for FREE.

Due to the overwhelming demand for foreclosure prevention assistance, it is imperative that you follow the procedures we have in place.  It is also important to have the required information ready so we can better evaluate your situation.

Get started by entering the zip code where your property is located and choosing your desire option!