Where to Start: Tools for Taking Action Now
Let’s find the right tools to guide you through this.
Explore our carefully selected resources to help you navigate your mortgage options.
Access the Resources You Need to Take Action
Official application servicers use to evaluate your hardship request.
CFPB: Your Home Loan Toolkit.pdfThis official guide walks you through your mortgage from start to finish — including what to expect, what to ask, and how to avoid common traps.
Letter Templates
Download these letter templates to help you take action!
Helper Tool #8 : Sample Mortgage Hardship LetterHelper Tool #1 : Lender Hardship LetterWorksheets
Infographic visuals assist with understanding
Use this worksheet to get clear on where your money’s going — and show your lender you’re serious about finding a workable solution.
Helper Tool #2 : Budget Worksheet Sample GuideChecklists
Make sure you're asking the right questions!
Helper Tool #3 : Questions to ask your lenderThese questions can help you take control of the conversation with your lender and avoid getting lost in vague answers or dead ends.
Helper Tool #5 : Federal Resources SummaryChart
Use this infograph to weigh your various options and see which one
is best FOR YOU!
This chart breaks down your main options if you're trying to keep the home — use it to compare what's available and start narrowing the right fit for your situation.
Tracker Forms
Infographics help you understand the process, while helpful downloadable
forms track your progress so you know exactly where you are!
Use this tracker to stay organized after you apply - it helps you keep record of who you spoke to, what was said, and what comes next.
Helper Tool #4 - Loss Mitigation Submission ChecklistThis checklist helps you gather and submit everything your servicer needs — missing even one item can delay or derail your review.
Helper Tool #7 - Mortgage Servicer Communications TrackerFederal Mortgage Assistance Resources
A quick contact list below:
HUD Approved Housing CounselorsFREE or low cost help for struggling homeowners.
Find local counselors: Click this BUTTON!
Call HUD directly: 1 (800) 569-4287Consumer Financial Protection Bureau (CFPB)
Trusted info about mortgage relief options.
Guide on dealing with mortgage forebearance or delinquency. Click this BUTTON!
Freddie Mac & Fannie Mae
Many mortgage are backed by Freddie / Fannie - they offer relief programs.Freddie Mac
Check if your loan is owned by them. Click here!Fannie Mae
Check if your loan is owned by them. Click here!
Tip: If your loan is owned by one of these entities, you may qualify for streamlined modification programs.Browse the Full Z1 PDF Library
Watch short, informative videos that explain your options and the next steps to take for mortgage assistance.
Explore All Z1 Video LessonsIf you want more personal service, book a free consultation below.
Book a FREE ConsultationAccess official documents that outline your rights, options,
and resources available to you for mortgage relief.
Zanaggle Homeowner Network
In addition to providing a step-by-step playbook during critical times, Zanaggle certifies and timestamps financial, accounting, or social every action — ensuring homeowners have organized records ready for attorneys, servicers, or other professionals when needed.
