Understand your rights, explore possible solutions, and learn what steps you can take to protect your home and financial future.
At ASTERIAS, we believe homeowners deserve clear information before making important decisions.
Whether you're behind on payments, received a mortgage notice, or simply want to understand your options, our free educational guide can help you take the next step with greater confidence.
GET MY FREE HOMEOWNER'S GUIDECALL JOHN — 267-554-2220Real Solutions. Real Options. Real Hope.
Learn what your mortgage notice says, identify important deadlines, and understand the difference between a payment warning and formal foreclosure proceedings.
Depending on your circumstances, you may be able to explore repayment plans, loan modifications, assistance programs, refinancing, or selling your property.
Your home may still have significant equity even when mortgage payments are behind. Understanding your property's value and outstanding debt can help you make better decisions.
Ask for the total amount needed to bring your loan current, available loss-mitigation options, application requirements, and applicable deadlines.
Compare your choices before signing agreements or committing to a solution. Seek independent legal, housing-counseling, or financial advice when appropriate.
A practical educational resource to help you understand your mortgage situation, review possible solutions, and prepare questions for your lender.
ASTERIAS is a private real estate company. We are not a mortgage lender, loan servicer, attorney, court, or government agency. We are not affiliated with your mortgage company. Information provided is educational and is not legal or financial advice.
Free or low-cost help is available from independent organizations. Programs have eligibility rules and approval is not guaranteed.
The Homeowners' Emergency Mortgage Assistance Program (HEMAP) from the Pennsylvania Housing Finance Agency is a loan program for eligible Pennsylvania homeowners who are behind on their mortgage. Eligibility rules and deadlines apply.
Visit PHFA HEMAPThe New Jersey Housing and Mortgage Finance Agency offers free foreclosure prevention and mediation counseling through HUD-certified housing counseling agencies.
Visit NJHMFA foreclosure preventionFree or low-cost help is available from HUD-approved housing counselors. Call 800-569-4287 or search by ZIP code.
Find a HUD-approved housing counselor by ZIP
HUD: Avoiding Foreclosure
ASTERIAS is a private real estate company. We are not a mortgage lender, loan servicer, attorney, court, or government agency. We are not affiliated with your mortgage company. Information provided is educational and is not legal or financial advice.
ASTERIAS may offer to purchase properties when appropriate. You are never required to sell your home or to work with ASTERIAS to receive this guide.
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Real Solutions. Real Options. Real Hope.