The government provides the best home loan modification resources, information and quotes for the new Making Homes Affordable program. Debt Freedom Tips recommends that you use government-approved home loan modification resources and counselors, which can be found at www.makinghomeaffordable.gov.

The government’s Making Home Affordable Program includes opportunities to modify or refinance your home mortgage to make your monthly house payments more affordable. It also includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure.

In addition to home loan modification, what other debt relief options are available?

Help is out there! We recommend the following solutions:
Debt Settlement - Covers unsecured debts including credit card debt.
Home Loan Modification - Covers home loan mortgage debt.
Education, Small Business & Misc. Grants - True government grants for education, small business, community and miscellaneous purposes.
IRS Tax Debt - Find IRS and State tax debt relief and representation.
Work From Home Resources - Find work-from-home opportunities to help generate more income.

From our prospective, saving money is the same as receiving money. Debt Freedom Tips provides dozens of debt relief tips, articles, ideas and resources to help you become debt free.

Quick Debt Freedom Tips

Tip 11: If your credit is good, and you are able to make your debt payments, you may want to consider refinancing your home or consolidating debt. Interest rates are very favorable, and you may be able to reduce your monthly obligations considerably.

Tip 12: Simply by making your mortgage payment twice per month at 1/2 the amount, rather than making traditional monthly payments, you could save tens of thousands of dollars over the life of your loan, and have it repaid several years early. Contact your mortgage company and see if they will accommodate, and if not, consider refinancing with someone who can.

Tip 1: When trying to pay down multiple credit cards, concentrate overpayment on the card with the lowest balance, while making near-minimum payments on the remaining cards. As cards are paid-off, do not lower your overall monthly debt payment until all cards are paid-off.

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