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2. Down payment assistance: How it works and how to get it - AOL

   www.aol.com/finance/mortgage-down-payment...

   While a few programs exist at the federal level and even with some individual mortgage lenders, most down payment help is offered at the local level through state, county and city government ...

3. Flex Modification Program (FMP): Everything you need to know

   www.aol.com/finance/flex-modification-program...

   Using this program can help you avoid foreclosure. If you’re behind on your mortgage payments, you can apply for the Flex Modification program through your lender. If you’re between 90 and 105 ...

4. Guide to first-time homebuyer loans and programs - AOL

   www.aol.com/finance/guide-first-time-homebuyer...

   Down payment assistance (DPA) ... Government-backed mortgage loans. The Federal Housing Administration (FHA), Department of Veterans Affairs (VA) and Department of Agriculture (USDA) back mortgage ...

5. Loan modification in the United States - Wikipedia

   en.wikipedia.org/wiki/Loan_modification_in_the...

   Loan modification is the systematic alteration of mortgage loan agreements that help those having problems making the payments by reducing interest rates, monthly payments or principal balances. Lending institutions could make one or more of these changes to relieve financial pressure on borrowers to prevent the condition of foreclosure.

6. Home Affordable Refinance Program - Wikipedia

   en.wikipedia.org/wiki/Home_Affordable_Refinance...

   The homeowner must not have a previous HARP refinance of the mortgage, unless it is a Fannie Mae loan that was refinanced under HARP during March–May 2009. The homeowner must be current on their mortgage payments, with no (30-day) late payments in the last six months and no more than one late payment in the last twelve months.

7. Behind on mortgage payments? 6 ways to catch up - AOL

   www.aol.com/finance/behind-mortgage-payments-6...

   Mortgage forbearance is a type of payment relief that temporarily suspends or reduces your payments for a set period. During this period, the record reflects that you’re current on your mortgage.