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There are a number of government programs available to help people avoid foreclosure. These programs can provide financial assistance, counseling, and other resources to help homeowners who are struggling to make their mortgage payments.

Some of the most common government programs for avoiding foreclosure include:

Making Home Affordable (MHA): This program offers a variety of loss mitigation options to help homeowners who are at risk of foreclosure. Options include loan modifications, forbearance, and deeds in lieu of foreclosure.

Homeowner Assistance Fund (HAF): This program provides financial assistance to homeowners who have been affected by the COVID-19 pandemic. The HAF can help with mortgage payments, property taxes, and other housing expenses.

FHA Loan Modification Program: This program helps FHA borrowers who are struggling to make their mortgage payments. The program can modify the terms of the loan, such as the interest rate or monthly payment, to make it more affordable.

VA Loan Modification Program: This program helps VA borrowers who are struggling to make their mortgage payments. The program can modify the terms of the loan, such as the interest rate or monthly payment, to make it more affordable.

USDA Loan Modification Program: This program helps USDA borrowers who are struggling to make their mortgage payments. The program can modify the terms of the loan, such as the interest rate or monthly payment, to make it more affordable.

In addition to these government programs, there are also a number of non-profit organizations that offer foreclosure prevention assistance. These organizations can provide counseling, financial assistance, and other resources to help homeowners who are struggling to keep their homes.