# Home Rescue NPO — Behind on your mortgage? Know your rights.

Home Rescue NPO helps American homeowners understand the protections that may apply to their loan and get their paperwork in order, with real specialists on call day and night.

**[Talk to Clara now](https://homerescue.help/?talk)** (Powered by SI · Human follow up.) · Available 24/7 · All 50 states · English & Spanish

- Free, confidential consultation
- No Social Security or loan numbers needed
- All rights reserved - 508(c)(1)(A) Not for Profit.
- Compare your options: [How to choose mortgage hardship help](/how-to-choose-mortgage-help/)

## Where are you right now?
- **Missed a payment:** servicers generally can't make the first foreclosure notice or filing until a loan is more than 120 days delinquent, with some exceptions ([§ 1024.41](https://www.consumerfinance.gov/rules-policy/regulations/1024/41/)).
- **Got a default letter:** a complete loss-mitigation application can require your servicer to evaluate you for options ([§ 1024.41](https://www.consumerfinance.gov/rules-policy/regulations/1024/41/)).
- **Have a sale date:** follow every deadline in your notices, get legal help right away.
- **Served court papers:** follow your court deadlines, talk to a licensed attorney or legal aid right away.

## At a glance
- 80+ years of combined human experience in household finance
- 24/7 specialists and voice assistant
- 50 states served
- $0 for your first confidential consultation

## Court papers or a sale date already?
Follow every deadline in your actual notices. Then talk to Clara.

## How we help
### Homeowner Bill of Rights education
Federal mortgage-servicing rules, your state's foreclosure process, and the difference between a complaint, a written request to your servicer, and a court deadline, explained in plain words.

### Processing services
We help members gather, organize and prepare what their mortgage servicer asks for, such as hardship letters and loss-mitigation application packages.

Also juggling credit cards, medical bills or a car loan? Your specialist looks at the whole household budget, with your home first.

## Your rights, in plain words
Coverage depends on your loan, your servicer and whether the home is your primary residence.
- **120 days:** Servicers generally can't make the first foreclosure notice or filing until a loan is more than 120 days delinquent, with exceptions ([12 C.F.R. § 1024.41](https://www.consumerfinance.gov/rules-policy/regulations/1024/41/)).
- **Review:** A complete loss-mitigation application can require evaluation and, depending on timing, limit foreclosure steps ([§ 1024.41](https://www.consumerfinance.gov/rules-policy/regulations/1024/41/)).
- **Errors:** A notice of error to the servicer's designated address triggers required handling ([§ 1024.35](https://www.consumerfinance.gov/rules-policy/regulations/1024/35/)).
- **Records:** Requests for information have prescribed handling rules ([§ 1024.36](https://www.consumerfinance.gov/rules-policy/regulations/1024/36/)).
- **Service members:** The Servicemembers Civil Relief Act can limit foreclosure on covered pre-service mortgages.

## What happens next
1. **Reach out, any hour.** Talk to Clara, our AI assistant, on the website. Share your first name, mobile number and a good time to talk.
2. **Talk with a specialist.** A real person reviews your situation and explains membership and any costs before you commit.
3. **Rights explained, paperwork ready.** Plain-language answers and an organized package for your servicer.

## What we will never do
- Promise to stop a foreclosure or guarantee a modification
- Ask for your Social Security or account numbers on this site
- Tell you to stop paying or stop talking to your servicer
- Pretend to be your lender, HUD, or a government program
- Sell your information

## FAQ
**What is the Homeowner Bill of Rights?** California has a law officially named the Homeowner Bill of Rights. Every other state protects homeowners through its own mix of notice, cure, mediation, reinstatement and redemption rules, and federal mortgage-servicing rules add another layer when your loan is covered.

**Can you stop my foreclosure?** No one can honestly promise that. We help you understand your options, prepare what your servicer asks for, and know when to bring in an attorney.

**What does it cost?** Your first consultation is free and confidential. A specialist explains membership and any costs before you agree to anything.

**Are you a government program?** No. Home Rescue NPO is a private membership organization, not your lender or a law firm. Free HUD-approved housing counseling is also available at 1-800-569-4287.

**Do you help with debts other than my mortgage?** Yes, with your home first.

**Which states do you serve?** All 50 states.

**When can I reach someone?** Any time. Talk to Clara, our AI assistant, on the website 24/7. A human specialist follows up to confirm your free consultation.

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Talk to a licensed attorney or legal aid right away; free HUD-approved housing counselors are at 1-800-569-4287.

Home Rescue NPO is a private membership organization providing general education and support, not legal advice. Not affiliated with HUD, the CFPB or any lender. Results are not guaranteed.