MortgageStressScore.com
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

–

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Low risk Moderate High 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.

See possible next steps

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. Your situation is yours alone.

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. Free or low-cost guidance is often the right first step — and we say so clearly.

03

All options, not just refinance

Refinancing is not right for everyone. 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, not by what earns us more money.

Mortgage help guides

Learn your options before you make a mortgage decision.

These educational guides explain common homeowner situations in plain English. They are not legal, financial, or mortgage advice, but they can help you prepare better questions for your servicer, lender, or a HUD-approved housing counselor.

Help with mortgage payment Start here if your payment is becoming difficult or you are worried about missing a payment. Can’t afford your mortgage? Understand the first steps to take before the problem gets worse. Refinance vs loan modification Compare two very different paths for changing your mortgage situation. Forbearance vs loan modification Learn the difference between temporary payment relief and a longer-term loan change. Mortgage hardship letter See what a hardship letter usually includes before contacting your servicer.