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GovHomeLoans.org offers no guarantees. GovHomeLoans.org does not provide any loan modification or foreclosure prevention services, nor do we connect you with any providers of those services. GovHomeLoans.org does not charge upfront fees of any kind. We do not ask users to surrender or transfer title. We do not ask users to bypass their lenders. We do not encourage users to not contact their lender, lawyer, credit counselor, or housing counselor. GovHomeLoans.org operates in full compliance with all state and local laws and does NOT have any affiliation with any mortgage modification or foreclosure prevention services. GovHomeLoans.org does not have any affiliation with any short-term loan providers.