Mortgages and Interest rates are high and it's only the second day of the new year. (SMH)🤦🏾‍♂️

Here are just a few places you can research for Mortgage help: 1. Free Government-Backed Help (Start Here) HUD-Approved Housing Counselors — Your #1 Resource• Homeowners can work with HUD-approved housing counselors at no cost. These professionals don’t give out money, but they guide you step-by-step, help you create a plan, and communicate with your lender. • Counselors can help with:Consumer Financial Protection BureauOrganizing financesUnderstanding loan modification and foreclosure optionsTalking with your mortgage servicerPlanning a long-term path to stay in your home• How to find one: Visit the HUD housing counselor directory or call (800) 569-4287 to be connected with someone near you. HUDTip for your audience: “Talk to the counselor before you talk to any private company that charges fees.”2. Mortgage Assistance ProgramsHomeowner Assistance Fund (HAF)• A federal program created under the American Rescue Plan. It helps eligible homeowners pay:Mortgage payments (current & past due)Property taxesHomeowners insuranceHOA fees and utilities in some states• Eligibility depends on your location, your documented hardship, and whether your state still has funds available.