Patterson-Schwartz Real Estate

Mortgage troubles? Chris McAleer can help ...
Call Chris McAleer at 302-733-7035

Government Programs …
Find Out if You May Be Eligible and Get Help Now.

There are a number of government programs available to provide you with solutions. See which program below matches your situation best, and then take the survey to see if you might be eligible.

Take action, find out more about your options and learn if you might be eligible. If your situation is urgent, or you have further questions, feel free to contact me.


Home Affordable Foreclosure Alternatives (HAFA)

  • Is your mortgage currently unaffordable, or will it be in the near future?
  • Even with adjusted payment plans?

HAFA Eligibility

Home Affordable Modification Program (HAMP)

  • Are you struggling to make mortgage payments?
  • Could lowered mortgage interest rates possibly make your mortgage affordable?

HAMP Eligibility

Home Affordable Refinance Program (HARP)

  • Are you making your mortgage payments on time?
  • Still trying to refinance your mortgage to a more affordable level?

HARP Eligibility

Second Lien Modification Program (2MP)

  • Has your first mortgage been modified under the Home Affordable Modification Program (HAMP)?
  • Are you still struggling with payments due to a second lien?

2MP Eligibility
Contact Chris McAleer an advance CDPE member in order to review your survey results together to determine the likelihood of your eligibility.* 

How to Recognize a Mortgage Scam

You might be a victim of a scam if:

  • You are told you will get a federal incentive to walk away from your mortgage
  • You are asked to pay upfront for counseling
  • You are pressured to sign papers immediately
  • You are asked to sign your house over to a company or person who is not working with your mortgage company
  • You are asked to make a mortgage payment to someone other than your mortgage company without their approval
  • You are guaranteed a successful short sale or mortgage modification
  • They claim to be a representative of the federal government

If you believe that you are a victim of a scam, you should contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or visit their Complaint Assistant .
Learn how agents with the
Certified Distressed PropertyExpert® designation are best suited to help distressed homeowners.

Contact This CDPE®
Chris McAleer


*The information provided in this webpage is based on government documents, which are subject to change. Therefore, the Distressed Property Institute, LLC, and the agent featured on this page, cannot be held responsible for the accuracy of the information provided here. This survey can help you determine the likelihood of your eligibility, but only the servicer of your loan can tell you if you qualify. 
The above brokerage assumes no responsibility nor guarantees the accuracy of this information and is not engaged in the practice of law nor gives legal advice.
It is strongly recommended that you seek appropriate professional counsel regarding your rights as a homeowner. The above brokerage is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.

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All information, regardless of source, is not guaranteed and should be independently verified.