LASH HomeKeepers Program
Behind on your mortgage? You're not alone —
and you don't have to pay for help.
Free housing counseling and loan modification assistance from L.A.S.H. Foundation, a 501(c)(3) nonprofit.
Serving homeowners in Nevada and Maryland — in person in Southern Nevada, and by phone and online in Maryland.
Who We Help
Homeowners Who Are:
Behind on mortgage payments or worried about falling behind
Facing a job loss, income drop, medical issue, divorce, or other hardship
Have received a notice of default or foreclosure
Unsure how to request a loan modification or what their options are
How It Works
Six Steps, Side by Side
Free Intake
Tell us about your situation by phone or online.
Gather Your Documents
We give you a simple checklist and help you organize everything.
Review Your Options
We walk through loan modification, repayment plans, and other alternatives with you.
Prepare Your Application
We help you complete your servicer's application. If you choose, you sign a third-party authorization so we can speak with your servicer on your behalf.
Follow Up
We track your application and follow up with your servicer regularly.
Next Steps
Once your servicer makes a decision, we help you understand it and plan what comes next.
Protect Yourself From Mortgage Scams
- Never pay anyone upfront for loan modification help. In most cases, it is illegal.
- Keep talking to your mortgage servicer.
- Never send your mortgage payment to anyone except your servicer.
- Be wary of anyone who guarantees results.
Free. Confidential. No Fees.
Apply for Free Help
Free Resources
More Help by State
Nevada Homeowners
Maryland Homeowners
L.A.S.H. Foundation is a nonprofit organization and is not affiliated with any government agency or with your lender or mortgage servicer. LASH HomeKeepers services are provided free of charge. Your lender may not agree to change your loan. We do not provide legal advice; when legal advice is needed, we refer clients to licensed attorneys or legal aid. You may stop using our services at any time.