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Hardship Options
Browse 12 in-depth Hardship Options guides from Mortgage Advisor Guide. Our editorial team researches and writes each one to give you clear, practical answers, current as of September 2026. The newest are shown first.
Mortgage Deferral Explained: How $380,000 Payments Get Delayed
Roughly 8.2 million Americans used mortgage deferral during the pandemic period alone, according to the …
Foreclosure vs Short Sale: Which Path Saves Your Credit
Most coverage of foreclosure vs. short sale buries the lead: the difference between these two outcomes …
Mortgage Forbearance: Pause Payments Without Losing Your Home
Most articles about mortgage forbearance make it sound like a polite vacation from your loan. You pause, you …
Mortgage Divorce Buyout: How to Buy Out Your Ex's Stake
Most people going through a divorce assume the hard part is dividing the furniture. Then they find out one of …
Partial Claim Mortgages: How They Work
Most borrowers have never heard of a partial claim until they’re already in trouble. That’s a …
Deed in Lieu: Your Exit When Foreclosure Looms
A deed in lieu of foreclosure is one of those options that most borrowers don’t even know exists until …
Will Mortgage Forbearance Hurt Your Credit Score?
Most articles about mortgage forbearance and credit scores get the basic facts right and miss everything that …
How Short Sales Damage Your Mortgage Future
You already know the short sale saved you. What you might be wondering now is how badly it’s going to …
When You Can't Afford Your Mortgage Payment
The call I dreaded most in my underwriting years wasn’t from a loan officer or an auditor. It was the …
Stop Foreclosure: 5 Real Options When Behind on Payments
Being two months behind on your mortgage isn’t a crisis yet. Three months is where lenders start the …
What Mortgage Forbearance Really Means For Your Payments
You missed a mortgage payment last week. Maybe it was one, maybe two. Your phone’s started ringing from …
Lower Your Monthly Payment: Mortgage Modification Options Explained
You got the letter on a Tuesday. Maybe it was a job loss, a medical crisis, a divorce that split your …