"Where Hardship Meets Hope and Solutions Begin."
📞 Or call us directly (866) 299-5134 ext. 1Most people who call us have already tried dealing with their servicer on their own. They've been put on hold, transferred four times, and told to resubmit paperwork they already sent. We started Cornerstone Retention Solutions because homeowners in hardship deserve more than that. We work across FHA, VA, USDA, Fannie Mae, Freddie Mac, and conventional loan programs — and we know those guidelines well enough to hold servicers accountable when they cut corners.
We want to live in a world where no family loses their home simply because they didn't know what to ask for. That's it. No homeowner should face foreclosure alone — and as long as we're here, they won't have to.
We didn't come to this work from a boardroom. The people who answer your call have been the ones opening the certified letter, doing the math at the kitchen table, and waiting on hold for a servicer who kept saying someone would call back. That's why nobody here will ask you to explain why you fell behind — we already know how quickly a good year turns into a hard one.
What we bring on top of that is the part most homeowners don't have: years inside loss mitigation, and the program guidelines memorized. We put those two things together and build a plan shaped around your loan, your timeline, and your household — never a template.
The person who picks up, listens to the whole story, and translates it into plain next steps. They stay with your file from the first conversation to the last signature, so you're never re-explaining yourself to someone new.
They live in the guidelines — FHA, VA, USDA, Fannie Mae, Freddie Mac, and portfolio investors — and know which option your loan actually allows. That's how we find the tools servicers forget to mention, like a partial claim or a payment deferral.
The people who make the calls you dread. They submit the package, track every deadline, and escalate the moment a servicer stalls or loses a document — because they know the rules the servicer is required to follow.
Paperwork is where most applications quietly die. This is the team that makes sure your file is complete, current, and formatted the way your investor requires — the first time, not the third.
Understanding your situation is where we start, not where we stop. Every plan we build is put together by hand around your loan type, your hardship, your income, and how much time is actually left on the clock — then we do the work of carrying it out. You'll always know what we're asking for and why before anything is submitted in your name.
We get between you and your servicer — so you're not navigating the process alone, guessing which forms to send, or hoping someone calls you back.
Your servicer won't always tell you every option that exists. We know what programs you qualify for and we push until the right one gets applied.
Sometimes you just need time. We negotiate plans that pause or reduce your payments while you get back on your feet — without wrecking your credit in the process.
A foreclosure date isn't the end of the road. We know every tool available — partial claims, advance programs, extensions — and we move fast when timelines are tight.
Tired of getting the runaround? We make the calls, submit the documents, and escalate when servicers stall — because we know the rules they're supposed to follow.
Sometimes keeping the house isn't the right call. When that's the case, we help you leave on your own terms — protecting you from leftover debt and unnecessary damage to your future.
Knowledge is power. We walk you through your rights, what your servicer is required to offer, and what to watch out for so you never get caught off guard.
No mystery. No waiting around wondering what's next. Here's exactly how we work — and it starts the moment you dial (866) 299-5134, ext. 1.
We look at your loan, your servicer, your hardship, and your timeline — and figure out exactly where you stand and what's available to you.
Every loan is different. We build a plan around your specific situation — not a generic checklist.
We deal with your servicer so you don't have to. We submit, follow up, escalate, and push back when needed.
Before anything gets signed, we make sure you understand exactly what you're agreeing to — no surprises after the fact.
Every loan program has its own rules, timelines, and options. We know them inside and out — which means your servicer can't get away with telling you there's nothing they can do.
If you're behind on your mortgage, it can feel like you're the only one on your street who is. The national numbers say otherwise: 227,548 U.S. properties had a foreclosure filing in the first six months of 2026 — up 21% from the year before. Behind almost every one of those filings is a job loss, a medical bill, a divorce, a rate adjustment, or an insurance premium that doubled.
That last number is the one to pay attention to. Timelines are getting shorter, which means the window to act is narrower than it was even two years ago. The homeowners who keep their homes are almost never the ones who waited — they're the ones who asked early.
Source: ATTOM Mid-Year 2026 and Year-End 2025 U.S. Foreclosure Market Reports. ATTOM reported one foreclosure filing for every 632 U.S. properties in the first half of 2026, which works out to about 0.16%. The 2025 figure of 0.26% is ATTOM’s published share of all U.S. housing units.
I'd been dealing with my servicer for months and getting nowhere. Cornerstone stepped in and within weeks everything changed. They found an option my servicer never once mentioned to me. We're still in our home because of them.
It starts with one conversation. No commitment, no pressure — just honest answers about where you stand. Call us, ask for a call back, send an email, or pick a time on our calendar — whichever is easiest for you.
(866) 299-5134 ext. 1 · cornerstoneretention.org · Se habla español
"I'd been dealing with my servicer for months and getting nowhere. Cornerstone stepped in and within weeks everything changed. They found an option my servicer never once mentioned to me. We're still in our home because of them."
"We had a sale date already scheduled when we called. Within two weeks, Cornerstone had it postponed and a full package submitted. They knew exactly what to say to the servicer."
"My servicer kept losing my documents — three times. The moment Cornerstone got involved, things moved. They escalated the case and got my modification approved within a month."
"Living in California, the cost of everything went up overnight after my rate adjusted. I thought I'd have to sell. Cornerstone got me into a modification with a lower fixed rate, and I'm still in the home my kids grew up in."
"As a veteran, I assumed my VA loan came with automatic protections. Cornerstone explained my actual rights, dealt with the servicer's runaround, and stopped the foreclosure before it ever got filed."
"I'd been denied twice on my own before reaching out. Cornerstone identified an FHA partial claim option my servicer never mentioned. We're back on track and current for the first time in over a year."
NMLS Disclosure: Cornerstone Retention Solutions is a housing counseling and loss mitigation advocacy organization. We are not a mortgage lender, mortgage broker, or law firm, and we do not provide legal or financial advice. Services provided are for housing counseling and loss mitigation advocacy purposes only. We do not guarantee any specific outcome, loan modification approval, or foreclosure prevention result. Results vary based on individual circumstances, investor guidelines, and servicer decisions. Homeowners are encouraged to consult with a licensed attorney or financial advisor regarding their specific situation. | HUD-Approved Agency Application Pending | Cornerstone Retention Solutions · (866) 299-5134 ext. 1 · info@cornerstoneretention.org · Se habla español | © 2026 Cornerstone Retention Solutions. All rights reserved.