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Homeowner’s Relief Line Commercial – Caution

Yesterday I spotted a new debt relief commercial on television for some company that claimed to be Homeowner’s Relief Line. The commercial made all sorts of claims about saving your home from foreclosure, helping with loan modification and giving the impression the consumer is the victim.

In general and in my experience, these types of commercials are funnels for people who are unaware to call and get a sales pitch for advanced fee mortgage help, mass joinder help, or mortgage modification services.

While the part of the advertisement with the fine print is fleeting, it does say, “Homeowner’s Relief Line is NOT a Mortgage Modification or Loss Mitigation or Foreclosure Defense company. We are not attorneys but rather a third party referral source that connects homeowners with mortgage specialists. Calls may be answered by companies other than Homeowner Protection Services.


If you go to the website for Homeowner Protection Services they don’t say where they are located and there is no way to even tell if it is the same company that is running the ads. – Source

But is owned by someone that hides the ownership of the domain name. What is publicly visible is the domain name was only registered on October 2, 2012.

If the company actually said where they were located, I did not see that in the television commercial.

If you need help with a mortgage situation or foreclosure, you might want to try these free resources first.

Mortgage Help

Be sure to first read How Not to Get Scammed by a Mortgage Loan Modification Company.

Debt-to-Income Calculator

First you’ll need to determine your current debt-to-income ratio. The target debt-to-income ratio under the Home Affordable Modification program is 31%. Use this free online DTI calculator.

Mortgage Modification Calculator

The mortgage modification eligibility calculator will ask you several questions and then show you which programs you may be eligible for.

The free mortgage modification calculator can be found here.

Free Mortgage Modification Help and Counseling

If you have questions about the process or eligibility you can call 888-995-4673 and get connected with an mortgage modification adviser for free. This help is provided by government subsidized HUD Housing Counselors and they can be a big help in navigating the modification process.

In order to assist you, the housing expert will need to gather some information from you. Have the following documents handy:

  • Information about your first mortgage, such as your monthly mortgage statement.
  • Information about any second mortgage or home equity line of credit on the house.
  • Information about the monthly gross (before tax) income of all household members contributing to pay the mortgage, including recent pay stubs if you receive them or documentation of income you receive from other sources.
  • Information about your savings and other assets.
  • Account balances and minimum monthly payments due on all of your credit cards.
  • Account balances and monthly payments on all your other debts such as student loans and car loans.
  • Your most recent income tax return.
  • It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.), if applicable.

You can also get free help and housing counseling from a local HUD approved counselor. You can find your local free housing counselor, here.

Contact Your Mortgage Company

Not sure if your mortgage company offers modification programs? Not all do. You can contact your mortgage company to ask them about mortgage modification programs you might be eligible for. Click here to find your mortgage company.

NPV Calculator

Want to know the net present value (NPV) of your home for the mortgage modification process? No problem, use the free NPV calculator to find out. The NPV calculator is right here.

The calculator can be used by homeowners who have been denied a HAMP modification because of their NPV result or can also be used by homeowners prior to applying for a HAMP modification to help them better understand the NPV evaluation.

No Advance Fees

The Federal Trade Commission has a Mortgage Assistance Relief Services Rule which prohibits advance fees for mortgage rescue services or mortgage modification help.

But if you do decide to use the services of a company like Homeowner’s Relief Line it would be prudent to check them out before you give over any information or money.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off


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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Linda Roberts

    Hi, I received an invite in the mail and was going to refinance with Home Owners Relief Line for a new mortgage since my mortgage was WAY underwater. I asked the them for a good faith estimate of charges. He was hesitate to give me the information of their fees, and reluctantly gave it me.
    Their fee was more then $10,000, I was shocked. He said it’s okay because at least you’ll have a lower interest rate. Forget it. I was able to refinance with another lender under the HARP II program with my current lender at 4.75% and with 1 point origination fee of $2,440 instead. A far cry from $10,000.

    • Steve Rhode

      Thanks for the feedback.

  • Annon

    You both are idiots. People work very hard helping others get help and save their homes. And as you stated your opinion in the beginning of a TLDR diatribe about how professionals help people not lose their homes. I’ve been doing loan mods for over 5 years and have saved hundreds upon hundreds of homes.

    Yes the law firm charges up front fees. No not affiliated with these people here. But I know from just getting people to pay their fees in full when you get an approval on their mod in less than 30 days if we waited until results were in we would go bankrupt.

  • garry k

    People never learn, what I dont understand is why try to collect advance fees when the ftc came out and banned them, people are going to jail for this. Loosing your freedom doesn’t have a price.

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