Homeowner Assistance Programs in El Paso, TX, or New Mexico

At Rocky Mountain Mortgage Company in El Paso, TX, or New Mexico, we understand how stressful it can be when your financial situation changes and you feel buried in debt and require monthly payments. We want to help you find a solution that works for you and helps you get your head above water once again. Anyone can go through a period of financial difficulty, and the most important step you can take to find relief is to reach out to us for help. We can go over all of your possible solutions, including homeowner assistance programs, and we will do everything we can to make sure you stay in your home. 

What Is Homeowner Assistance?

Homeowners Assistance is a program that offers assistance to homeowners who are experiencing financial difficulties. The goal of the program is to help you stay current or get out of default with your mortgage loan, stay in your home, and get over your financial slump.

Types of Assistance for Homeowners

There are a number of state, local, federal, and private programs that offer assistance to homeowners who are experiencing financial difficulties. Rocky Mountain Mortgage Company offers its own homeowners assistance program, and you can also explore other types of homeowners assistance through:

• Texas Homeowner Assistance Fund Program (TXHAF)
• Texas HUD Homeowners Assistance
• S. Department of the Treasury Homeowner Assistance Fund (HAF)

Eligibility Criteria for Homeowner Assistance Services

The eligibility criteria for homeowner assistance services may vary depending upon who is providing the assistance. At Rocky Mountain Mortgage Company, our eligibility criteria is:

• You must be applying for assistance for your primary residence.
• You must be able to prove financial hardship.
• You must provide your last two tax returns.
• You must provide copies of paystubs for the last 30 days for all adults named on the mortgage loan.
• You must provide copies of all other pertinent income documents, including bank and investment account statements, social security statements, pension statements, and more.
• You can provide any other documentation of hardship, such as copies of utility bills, credit card bills, notice of termination from your employer, etc.

Application Process for the Homeowners Assistance Program

We may be able to offer relief that can help you avoid foreclosure. We can discuss the following options that may help you avoid foreclosure:

• Modification of your existing mortgage loan.
• Forbearance or suspension of your monthly mortgage payment for a short period of time.
• A scheduled repayment arrangement to bring your loan current.

Why Choose Rocky Mountain Mortgage Company

At Rocky Mountain Mortgage Company, our goal is to help you keep your home. We have a team of compassionate, experienced loan specialists who can answer any questions and concerns you have about requesting homeowner’s assistance. We will work closely with you to understand your financial situation and the reasons for your setbacks and help you find workable solutions that ease your stress and financial strain.

Call to Request Homeowners Assistance

If your financial situation has changed, you have missed a payment, or you are concerned about your ability to meet your loan obligations, help is just a phone call away. Get started by submitting your contact information or calling us to begin the process of requesting homeowners assistance in El Paso, TX, or New Mexico. If you have questions or concerns about the status of an existing Homeowner Assistance request, give us a call.

Once you have completed a request for homeowners assistance, your information will be sent to Rocky Mountain Mortgage Company, and a representative will contact you by telephone or email the next business day. By submitting your expression of interest you are consenting to receive telephone calls or emails from Rocky Mountain Mortgage Company.