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:
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.