Facing Homeownership
Hardship? Start Here.
Voyage helps homeowners organize their situation, understand potential assistance options, and connect with legitimate resources that may be available.
⚠️ Voyage is an information and referral service — not a government agency, mortgage lender, or law firm. We do not guarantee assistance.
How Voyage Helps
We help you move from uncertainty to action — organized, informed, and prepared.
Assess
Complete a guided intake to identify which assistance categories and resources may apply to your situation.
Organize
Get a personalized document checklist and learn what each program typically requires.
Navigate
Connect with verified resources — housing counselors, government programs, and assistance organizations.
What Type of Help Do You Need?
Mortgage Assistance
Repayment plans, forbearance, loan modification, and servicer hardship programs.
Foreclosure Prevention
Educational resources and referrals to HUD-approved housing counselors and legal aid.
Property Tax Assistance
Payment plans, exemptions, and state/local relief programs.
Utility Assistance
Electric, gas, water, heating, and emergency shutoff prevention programs.
Emergency Home Repair
Roof, heating, electrical, plumbing, accessibility, and disaster recovery assistance.
Insurance Assistance
Understanding cancellation notices, claims, and state insurance resources.
Quick Start
Start Hardship Assessment
Answer a few questions to identify potential assistance programs and create your personalized action plan.
Explore Assistance Programs
Learn about mortgage, tax, utility, repair, and insurance assistance options that may apply.
Education Center
Understand forbearance, loan modifications, foreclosure processes, and how to get help.
Scam Prevention
Protect yourself from foreclosure rescue scams, fake grants, and fraudulent assistance offers.
My Dashboard
Track your assessment, documents, applications, and follow-up deadlines.
Protect Yourself — Scam Warning
Never pay someone who guarantees they can stop your foreclosure.
Beware of fake mortgage-relief companies, upfront-fee scams, deed-transfer schemes, and anyone who pressures you to stop communicating with your mortgage company. Legitimate housing counseling is available at no cost through HUD-approved agencies. Learn more →
Voyage Homeowner Hardship Assistance provides educational information, organizational assistance, and referrals. Voyage is not a government agency. Unless specifically identified otherwise, Voyage is not acting as your attorney, mortgage lender, mortgage servicer, financial adviser, or housing counseling agency. Program availability and eligibility are determined by the organizations administering each program.