About Us

About The HEART Program



The HEART Program seeks to provide homeowners that are underwater with innovative solutions so they can stay in their homes long term. We recognize that the lending industry and many sponsored programs have failed to provide homeowners with the foreclosure relief they deserve. While it is certain that some homeowners are completely unable to pay for a mortgage, even on modified terms, others do have the capacity through regular employment and other sources of household income to make modified payments. Unfortunately, many homeowners, even with stable income, are regularly denied for loan modifications. This is where the HEART Program can help homeowners. If a homeowner can afford payments that are less than their current, combined principle, interest, tax and insurance payments, if their home is underwater, and if their home is in good condition they may qualify for the HEART Program. Qualified applicants have the ability to stay in their homes long term and ultimately end up with a mortgage balance comparable to current market value.


About the Heartland Coalition



The Heartland Coalition is a 501c3 non-profit organization that administrates the HEART Program. In addition to offering our unique solution to the foreclosure problem in America, the Heartland Coalition also offers up to date information and solutions to homeowners in need. We understand that not every homeowner can afford to make payments on a mortgage, even on modified terms. However, we strongly advocate foreclosure avoidance as there are many ways to avoid foreclosure, avoid long term damage to consumer credit and avoid the higher costs associated with borrowing in the future should a homeowner simply “walk away” from their home without attempting to resolve their mortgage problems and avoid foreclosure. Our website provides links to foreclosure avoidance strategies, videos related to avoiding foreclosure scams and helpful information for homeowners in need.


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  • Heartland Sustainable Housing is a non-profit organization that provides foreclosure prevention services in partnership with the Urban League of San Diego, a HUD certified agency.