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Save My Home Hotline

Act now if you are facing mortgage payment problems

If you are a homeowner worried that the next change in your adjustable rate mortgage (ARM) will put payments out of reach or facing financial trouble that may make you fall behind on your mortgage payments, the Union Plus Save My Home Hotline may be able to help.

You can arrange a confidential, free consultation with expert housing counselors who can provide advice, help you find answers and develop an action plan to get your financial house in order. Don't wait until it's too late - call 1-866-490-5361, any time day or night.

Questions? See the Hotline FAQ.

Advice designed especially for you

Fully-trained, HUD-certified counselors will discuss your individual situation and offer advice and guidance that is personalized for your situation. Save My Home Hotline housing counselors can:

  • Provide a free budget and spending analysis to assess your current financial situation.
  • Explain how best to work with your lender and understand all of the options available to help you retain your home and prevent foreclosure.
  • Protect you from future credit problems before you get too far behind on mortgage payments.
  • Provide a written plan of action you can follow.
  • Offer referrals to other resources, including credit and bankruptcy counseling, if appropriate.

It's free and confidential

Counseling offered by the Save My Home Hotline (1-866-490-5361) is confidential and free. The counselors at Money Management International (MMI), the nation's largest and most trusted full-service nonprofit credit counseling agency, are ready to help. MMI and its family of Consumer Credit Counseling Services agencies have helped consumers nationwide for more than 46 years by providing high-quality, comprehensive credit counseling, and education and debt management assistance.

In addition to telephone counseling, face-to-face counseling at more than 100 local offices in 22 states and the District of Columbia is also available.

Mortgage assistance grants

MMI has created a Preserving Homeownership And Savings Education Strategies (PHASES) program through a $1 million grant from HSBC, the provider of the Union Plus Credit Card. PHASES grants can assist qualified homeowners in participating states who are experiencing temporary financial distress and who are past due on one or two mortgage payments. Grants are available to homeowners in 15 states: Arizona, California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New York, Ohio, Pennsylvania, Texas and Virginia. Hotline counselors can determine if you are eligible.

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