How does this program help me?
This program is designed to give you a small loan to bring your mortgage current if you have fallen behind by at least 4 payments. Many people have suffered a temporary job loss, death in the family, divorce, etc. Once someone starts falling behind it can be difficult to catch up. This program is designed to address that need by giving you a small loan to catch up on past due payments and penalties. This loan does not have any payments on it and no interest accrues. You have to pay it off if you eventually sell the house or refinance.
Who should I contact?
Only your servicer can do this program. Your servicer is the company you mail your monthly mortgage payments to. Get out your monthly mortgage statement and call the customer service number on it. Let them know you want to apply for a Partial Claim. It is often their "loss mitigation" department that handles these types of programs so they might transfer your call there. Remember, HUD requires your servicer to work with you! If your servicer is no co-operating call HUD at (888) 297-8685!
What should I expect?
Be prepared to be persistent. Since this program can only be done by your servicer you are relying on the knowledge of the person that answers the phone. If they don't know what the program is ask to speak to a supervisor.
Once you have the right person be prepared to explain the situation and how it will change for the better. You will probably be asked to provide some personal financial documents and an explanation, or "hardship" letter. Be sure to check out our resources section for a list of financial documents to get together.