Frequently Asked Questions

Q: What is the HEART Program?

A: The HEART Program is an innovative means of helping homeowners stay in their homes long term if they are unable to qualify for a loan modification or are turned down for a principal reduction. The HEART program enables homeowners to keep their homes with a monthly lease rate that is less than their current mortgage tax and insurance payments.

Q: How do I qualify for the HEART Program?

A: You must have stable income. Income can come from a variety of household sources. Your home must be in good condition and the home must be underwater.

Q: What if I was turned down for a loan modification?

A: You still can qualify. The HEART program is not a loan modification and we do not try and negotiate a loan modification on your behalf.

Q: What if I was served with a Notice of Default?

A: Even if you were served with an N.O.D. notice, you still can qualify. Contact a HEART Program Administrator for more details.

Q: What if I was served with a Notice of Foreclosure?

A: We still may be able to help you. Contact a HEART Program Administrator for more details.

Q: Do I need to stop making payments?

A: We never recommend that a homeowner should stop making payments on their home or make payments to a third party. See Foreclosure Scams for more information.

Q: Do you charge for your services?

A: No. Our services are free of charge to the homeowner. See Foreclosure Scams for more information on up-front fees.

Q: Are you a government entity?

A: No. The HEART program is sponsored by The Heartland Coalition, a 501(c)(3) non-profit organization.

Assistance on and off our Website

Resources on Our Site

About Our Program:

Our Program

Foreclosure Assistance:

Avoid Foreclosure
Foreclosure Scams

Other Important Links

U.S. Department of Housing and Urban Development


Federal Trade Commission

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.