When the Mortgage Gets Hard to Pay, Please Call Us for Free Foreclosure Prevention/Intervention Counsling

Our work does not end when you get the keys. IAH helps families prepare for homeownership, and we support homeowners when mortgage payments become hard to manage.

Whether IAH helped you prepare for homeownership or we are meeting for the first time, our foreclosure counseling is open to homeowners across Arkansas. Meet with us by phone, Zoom, or in person. There is no charge.

We know that reaeching out can be hard, especially when you feel embarrassed or worry about being judged. Nobody here is going to judge you. A job loss, fewer work hours, an illness, or a family emergency could change a household budget fast. Home insurance and property taxes have also pushed payments higher. Sometimes life is simply lifing. Your ccounseling is confidential.

More Arkansas families are dealing with this

During the first half of 2026, 1,750 Arkansas properties had a foreclosure filing, almost 45 percent more than during the same months in 2025, according to ATTOM’s 2026 Mid-Year Foreclosure Market Report.

Those filings include default notices, scheduled auctions, and homes taken back by a bank. Not every filing ended with a lost home. More families are getting default notices and sale dates, and we want people to call before reaching either point.

Payments are also rising for homeowners who never changed their interest rate. The average Arkansas escrow payment rose 52 percent from 2019 through 2025, based on Cotality data reported by Realtor.com. Escrow pays the home insurance and property tax bills. When those bills rise, your mortgage payment rises too.

A higher payment hurts when the same family is already paying for medicine, food, gas, child care, and home repairs.

Too many people wait because they hope next month will be better or they do not want anyone to know. Please call sooner. If next month’s payment looks short, you are not too early. If you are already behind, open every letter from your servicer, even if you do not want to. Then call the phone number on your mortgage statement and call IAH.

HUD tells homeowners to ask for help early and stay in touch with their servicer. A sale date needs attention today.

When you call IAH, you will speak with one of our HUD-certified counselors, not a salesperson. Meetings are available by phone, Zoom, or in person. We will ask what changed, look at your mortgage and household budget, read the notices with you, and explain what your servicer wants. If loss mitigation is the next step, we will help you prepare the package and answer requests for missing information.

Loss mitigation is the name your servicer uses for a review of ways to avoid foreclosure. Some options could help you stay in the home. Others offer a way to leave without foreclosure if keeping the home no longer works for your family. Every loan is different, so no honest counselor should promise a result before your servicer reviews your file.

Our foreclosure counseling is open to homeowners across Arkansas, including people we have never worked with before. There is no charge. We do not provide funds or accept mortgage payments.

Call before the paperwork is ready

Please do not wait until every paper is sitting in a neat stack. Call first. We will tell you what your servicer needs and help you work through the list.

Gather these documents:

• Pay stubs from the last 30 to 60 days for each working household member.

• Recent federal tax returns, often the past one or two years, along with W-2s or 1099s.

• Proof of other income, such as Social Security, disability, unemployment, or child support.

• Bank statements from the last two to three months.

• Your current mortgage statement, including your loan number and servicer contact details.

• Every notice from your lender or servicer, including default notices, demand letters, foreclosure papers, or a court summons.

• Start with whatever you have. Your counselor will tell you what is missing.

  
  

Please be careful who you trust

Scammers know homeowners are scared. Some send official-looking letters. Others claim they work for the government, your lender, or a law office. They promise to stop foreclosure, but first they want money. Before you pay anyone or sign any papers, call someone you trust. Be careful if a person:

•         Asks for money before providing mortgage help.

•         Guarantees a loan change or promises to stop foreclosure.

•         Tells you to stop speaking with your servicer or counselor.

•         Wants you to send your mortgage payment to a person or rescue company.

•         Wants you to sign over your deed or title.

•         Rushes you to sign papers before you understand every page.

The Federal Trade Commission says upfront fees for promised mortgage relief are illegal. The Arkansas Attorney General warns homeowners about the same kind of offer.

Please do not send a mortgage payment to a rescue company or sign over your deed. Call the phone number on your current mortgage statement and check every offer.

If someone claims to work with IAH and asks for money, hang up. Call us directly at 501-221-2203. Our foreclosure counseling is free.

Suspected scams should be reported to the Arkansas Attorney General at 800-482-8982 or through the Attorney General’s online complaint form.

Starts with a Phone and Brief Intake

Call as soon as you start to worry about the next payment. If you are already behind or have a foreclosure notice, do not wait for paperwork. If a sale date appears on any notice, call today.

CALL IAH: 501-221-2203, OR

Complete Form: Complete the secure request form

The online form does not pause a foreclosure sale. If you have a sale date, call IAH and your mortgage servicer today.

IAH serves homeowners across Arkansas by phone, Zoom, or in person. You do not need to be a past client. Foreclosure intervention counseling is available at NO CHARGE.

If IAH helped you prepare for homeownership, come back to us. If we have never met, call us anyway. You are welcome here.