Mortgage Relief & Refinancing

Lower your monthly mortgage payment through refinancing, loan modification, or forbearance. Avoid foreclosure and keep your home.

Lower your monthly payment

Reduce your interest rate

Avoid foreclosure

Keep your home

Secure & Confidential | No Obligation

Mortgage Savings Calculator

See how much you could save

What is your current mortgage balance?

$25,000

Current Payment: $1,500

                                Monthly Savings:
                                $300
                            

New Payment: $1,200

What is Mortgage Relief?

Mortgage relief helps homeowners reduce their monthly mortgage payments through refinancing, loan modification, forbearance, or other loss mitigation options. Whether you're struggling with payments or simply want to lower your rate, there are solutions available.

Our trusted mortgage partners can help you refinance to a lower rate, modify your existing loan terms, or explore government programs like FHA streamline refinancing. Many homeowners save $200-$500 per month on their mortgage payment.

Mortgage Relief Options We Offer:

Refinancing (Lower Rate)
Loan Modification
Forbearance Plans
FHA Streamline Refinance
VA Interest Rate Reduction
Foreclosure Prevention

Did You Know?

Homeowners who refinance save an average of $300/month on their mortgage payment. Over 30 years, that's over $108,000 in savings!

You're Protected

Debt relief companies must be licensed and comply with federal regulations. Your funds are held in a dedicated FDIC-insured account that you control.

With Releafly vs. Without

See the difference debt relief makes

Without Debt Relief

Pay full balance plus interest
Multiple creditor payments
Constant collection calls
High monthly payments
10-15+ years to pay off
Stress and anxiety

Example:
$25,000 debt at 18% APR
Total paid: $45,000+
Time: 12+ years

With Releafly Partners

Reduce debt by 40-60%
One affordable payment
Keep your home
Lower monthly payment
Avoid foreclosure
Peace of mind

Example:
$25,000 debt settled
Total paid: $12,500
Time: 36 months

How Mortgage Relief Works

Get out of debt in 4 simple steps

Free Consultation

Complete our quick form and speak with a certified debt specialist. They'll review your situation and explain your options at no cost.

Enroll in Program

If debt relief is right for you, you'll enroll and start making affordable monthly deposits into your dedicated savings account.

We Negotiate

Our partners negotiate with your creditors to reduce your debt. You'll receive settlement offers for approval before any payments are made.

Become Debt-Free

As settlements are reached and paid, your debts are eliminated one by one. Most clients are debt-free in 24-48 months!

Do You Qualify?

Most people with $10,000+ in unsecured debt qualify

You May Qualify If:

You have $10,000+ in unsecured debt
You're struggling to make minimum payments
Your debt is from personal loans, medical bills, or collections
You have a financial hardship (job loss, medical emergency, etc.)
You can afford a monthly program payment

May Not Qualify If:

Your debt is less than $10,000
All your debt is secured (car loans, mortgages)
You can comfortably afford current payments
You recently filed bankruptcy
You have no income source

Not sure if you qualify? Get a free consultation to find out!

Check My Eligibility

Mortgage Relief FAQs

Get answers to common questions about consumer debt relief

Most debt relief companies charge a fee of 15-25% of the total enrolled debt, but you only pay fees on debts that are successfully settled. There are no upfront fees. For example, if you enroll $20,000 in debt and settle for $10,000, you'd pay fees on the $10,000 settled amount, not the original $20,000.

Yes, debt relief will initially impact your credit score because you stop making payments to creditors while saving for settlements. However, if you're already behind on payments or considering bankruptcy, debt relief may be a better option. Most clients see their credit improve within 6-12 months after completing the program.

Most clients complete their debt relief program in 24-48 months, depending on the amount of debt and monthly payment they can afford. Some clients with smaller debts finish in as little as 12-18 months.

Consumer debt relief works best for unsecured debts like personal loans, medical bills, payday loans, collection accounts, and repossession deficiencies. It does NOT work for secured debts (mortgages, car loans), federal student loans, child support, or tax debt.

Yes, creditors can still pursue legal action while you're in a debt relief program. However, most creditors prefer to settle rather than go through expensive legal proceedings. If a creditor does file a lawsuit, your debt relief company will work to negotiate a settlement before a judgment is entered.

Debt relief can be a better option than bankruptcy for many people because it's less damaging to your credit long-term and doesn't involve court proceedings. However, every situation is different. A debt specialist can help you understand which option is best for your specific circumstances.

I eliminated $32,000 in medical debt and personal loans!

After my husband's medical emergency, we were drowning in bills. Releafly connected us with a debt relief company that negotiated our $32,000 down to just $14,500. We made affordable monthly payments and were debt-free in 30 months. It saved our family!

— Sarah M., Denver, CO

Personal Loan Relief Client

$32,000 Original Debt

$14,500 Settled For

55% Savings