Last updated: May 25, 2026
The score and explanations on this website are for general educational purposes only. They are not legal, financial, tax, mortgage, lending, credit, foreclosure-prevention, or housing-counseling advice.
The calculator does not guarantee that you qualify for refinancing, loan modification, forbearance, repayment plans, state assistance, or any other mortgage-related option.
If you are behind on mortgage payments or worried about missing a payment, consider contacting your mortgage servicer as soon as possible. Your servicer can explain options available for your specific loan.
If you are under serious mortgage stress, consider speaking with a HUD-approved housing counselor. Housing counselors may help you understand your options, often at little or no cost.
Be careful with anyone who promises to stop foreclosure, guarantees loan modification, or asks for large upfront fees for mortgage relief. Always verify organizations before sharing personal or financial information.
You are responsible for decisions you make based on your own financial situation. Always verify information with your servicer, lender, attorney, financial professional, or HUD-approved counselor.
Back to Mortgage Stress Score