Free · Private · No lender calls

Your mortgage risk,
honestly assessed.

Not a rate comparison. Not a lead form. A real score that tells you where you stand — and what to do next.

Check my free score

🔒 This calculator runs in your browser. We do not ask for your phone number.


The score

Six inputs.
One honest number.

Educational estimate only. This is not a credit score, lending decision, legal advice, financial advice, or foreclosure-prevention service.

/ 100

Low riskModerateHigh risk
Payment burden
Income stability
Home equity
Loan type risk
Missed payments
Urgency level

Next step: use this score as a starting point. If you are behind or close to missing a payment, contact your mortgage servicer and consider a HUD-approved housing counselor.


Why this is different

Not a lead form
wearing a calculator's clothes.

Most rate comparison sites

Rate comparison presented as guidance
May share your contact details with multiple lenders
No risk assessment, same page for everyone
Refinance push regardless of your situation
HUD resources buried or absent
Revenue model often depends on lead referrals

MortgageStressScore

Risk score first, options second, lenders last
Calculator runs in your browser
Personalized to your inputs, not a template
Shows all 7 options — including the free ones
HUD-approved counselor resources shown for high-risk situations
Revenue model: software and optional user-controlled next steps

The full picture

Every option.
Ranked for your situation.

🔁

Refinance

Top pick
📝

Loan modification

No credit req.

Forbearance

Free to request
🏛

HUD counselor

Always free
🗓

Repayment plan

Ask servicer
🏠

Sell or rent out

Last resort
🏦

State assistance programs

State aid

Our commitments

Built around you,
not around leads.

01

Privacy is not a feature

Your inputs are processed entirely in your browser. Nothing is stored, transmitted, or sold. There is no account, no cookie wall, and no phone number field.

02

Official resources before monetization

If your score is high, we point you toward your mortgage servicer and HUD-approved housing counseling resources before any paid option.

03

All options, not just refinance

Forbearance, loan modification, state assistance programs, and a call to your servicer are sometimes better. We show you all seven paths ranked by your score.

Mortgage help guides

Plain-English answers for stressful mortgage decisions.

FAQ

Questions homeowners ask
before using the score.

Optional paid resource

Want a more organized plan?
Get the Mortgage Premium Action Pack.

Mortgage Premium Action Pack — $9

A practical educational pack to help homeowners organize mortgage hardship documents, servicer questions, and next steps. Not legal, financial, or lending advice.

  • Servicer call prep checklist
  • Hardship document organizer
  • Questions to ask before choosing an option
  • 7-day mortgage action plan structure
Get the premium pack — $9

The free score and checklist remain free. This optional pack is for extra organization only.