Obtaining Mortgage Assistance: What You Need to Know
By Sharon Ben-David, Your Safe Money Lady™
Licensed Mortgage Broker, Certified Professional Retirement Planning Adviser, and Financial Advocate
Protecting Your Nest Egg, Inc. | NMLS #2308601 | (954) 261-5200
For many Americans, a home is more than just a place to live — it’s the cornerstone of long-term financial security. But when life takes an unexpected turn, your mortgage can quickly become a burden rather than a blessing. Whether due to job loss, rising interest rates, medical expenses, or other financial setbacks, the risk of falling behind on mortgage payments is a reality for many homeowners. The good news? You don’t have to face this alone.
As Your Safe Money Lady™, I’ve spent my career helping individuals and families protect what they’ve worked so hard to build. If you're struggling to keep up with your mortgage or planning ahead to avoid problems in the future, understanding your options for mortgage assistance can help you take back control.
What Is Mortgage Assistance?
Mortgage assistance refers to a range of programs and solutions designed to help homeowners avoid foreclosure, reduce monthly payments, catch up on missed payments, or refinance under more favorable terms. These solutions can come from your mortgage lender, government programs, or independent mortgage professionals like myself.
The key to successful mortgage assistance is early intervention. The sooner you act, the more options you will have.
Common Causes of Mortgage Stress
Job loss or reduced income
Unexpected medical bills
Divorce or separation
Death of a spouse or co-borrower
Rising adjustable interest rates
Inflation and increased cost of living
Life happens. What matters most is how you respond when it does.
Mortgage Relief Options to Consider
Forbearance Plans
If you're facing a temporary hardship, a forbearance plan can pause or reduce your mortgage payments for a set period. It won’t erase your debt, but it can give you room to breathe.Loan Modification
This involves changing the terms of your existing loan — such as reducing the interest rate, extending the term, or adding missed payments to the end of the loan — to make monthly payments more affordable.Refinancing
If you still have good credit and equity in your home, refinancing into a lower interest rate or fixed-term mortgage can save you money over the life of the loan.Government Assistance Programs
Programs such as the FHA-HAMP or the Homeowner Assistance Fund (HAF) provide relief to eligible homeowners. These may vary by state and situation.Reverse Mortgages
For seniors aged 62 and older, a reverse mortgage can provide cash flow by converting part of the home’s equity into tax-free income — without monthly payments. This can be a life-changing solution if used strategically.
How I Help as a Licensed Mortgage Broker and Financial Advocate
At Protecting Your Nest Egg, Inc., my mission is to help you avoid unnecessary risk and secure your future. When you work with me:
I take time to understand your complete financial picture.
I help you explore all available mortgage relief options.
I coordinate directly with your lender or servicer, so you don’t have to navigate the process alone.
I look beyond the immediate crisis to build a strategy for long-term financial well-being.
As a Certified Professional Retirement Planning Adviser, I also understand how mortgage decisions impact your retirement goals. Whether you’re in your working years, near retirement, or already retired, we’ll make sure your home continues to support — not hinder — your financial independence.
Warning Signs You Shouldn’t Ignore
If you’ve experienced any of the following, it's time to reach out:
You’ve missed a mortgage payment (or are about to).
You’re using credit cards to cover essentials.
You’ve received foreclosure notices or calls from your lender.
Your mortgage is eating up more than 40% of your income.
You're approaching retirement and still carrying a large mortgage.
Don’t wait for a crisis to take action. Even if you're just worried about what could happen, let's talk now — before it's too late.
Your Next Step
Help is available, and hope is real. Whether you’re in trouble now or want to protect yourself from future financial stress, I'm here to guide you through it.
📞 Call me directly at (954) 261-5200
📍 Licensed in Florida, working with individuals and families across the state
🔒 Confidential. Compassionate. Committed to your financial peace of mind.
Let’s protect your home — and your future — together.
Schedule your appontment with me by clicking here. Together we will evaluate your personal housing goals.
Warm regards,
Sharon Ben-David
Your Safe Money Lady™
Licensed Mortgage Broker | Certified Professional Retirement Planning Adviser
NMLS #2308601
Protecting Your Nest Egg, Inc.
📞 (954) 261-5200
Because your home is more than a mortgage — it’s your peace of mind.
