For help about a loan to stop foreclosure, homeowners can consult with a certified HUD foreclosure counselor. A mortgage broker or mortgage modification company can also help a distressed homeowner negotiate a loan to stop foreclosure. When seeking a loan to stop foreclosure, homeowners should be aware of scam artists who ask for upfront fees and do nothing. Homeowners may also want to consult with a foreclosure defense real estate attorney regarding information about a loan to stop foreclosure and other options to save their home. Distressed homeowners will also want to contact their lender early on to inquire about a loan to stop foreclosure. The distressed homeowner may qualify to refinance or to obtain a mortgage modification which will lower their monthly mortgage payment to one that is more affordable. If the homeowner does not have enough income to make the new mortgage payment, then the homeowner will need to find another solution besides a loan to stop foreclosure, such as selling the home, a short sale or signing a deed in lieu of foreclosure and giving back the home to their lender.