BlueHub SUN: Mortgage Lending for Families Facing Foreclosure

BlueHub SUN is not your regular mortgage program

We help families who are facing foreclosure stay in their homes—as homeowners. Since 2009, our nonprofit has made more than 1,000 loans to homeowners who were in default or foreclosure. If you work with clients who are behind on their mortgage, BlueHub SUN could be a resource. 

We refinance homes in foreclosure and provide new mortgages homeowners can afford. SUN offers clients a second chance to regain their financial footing and save their homes for good. But that second chance isn’t free. SUN homeowners make a commitment to pay their mortgage on time and in full so we can continue operate the program. Watch these videos to learn more.

We work with housing counselors, bankruptcy attorneys and foreclosure prevention specialists in the 11 states we're licensed in to connect their clients with our mortgage lending.  

Contact our team to:

• Review specific scenarios for your clients

• Discuss our underwriting guidelines and determine how we prequalify clients

• Learn more about our loan’s structure

• Learn how to partner with us if you are a real estate agent

• Get interest rates and details on loan products

• Present to your staff on our products

*As of Nov. 14, 2025, BlueHub SUN paused lending to homeowners who are underwater on their mortgages, read more.

Who is eligible for BlueHub SUN?

Applicants must:

1. Be late on their mortgage payments, going through foreclosure or facing eviction due to foreclosure.
2. Have a stable income, like a job, Social Security, a pension or disability payments.
3. Live in:
   
   • Connecticut
   • Delaware
   • Illinois
   • Maryland
   • Massachusetts
   • Michigan
   • New Jersey
   • Ohio
   • Pennsylvania
   • Rhode Island
   • Wisconsin

Contact us to learn more

What Makes SUN Different

We specialize in working with families who are in default or foreclosure to avoid eviction.

That means our mortgages are different from what one would get at a bank. Here are some important things to understand about what we offer:

• We don’t require a minimum credit score.
• We don’t require a down payment.
• The interest rate may be higher than the rates you see advertised by regular mortgage lenders because regular mortgage lenders usually require better credit than SUN clients have.
• Some ,ortgages come with a Capital Reserve Account—a way to help homeowners save their money for home repairs or emergencies. Watch the video "Spotlight on SUN: Preserving your investment" for more information about the Capital Reserve Account.
• Clients may want to refinance out of their SUN mortgage as soon as they can because once their credit score improves they may become eligible for lower interest rates in the conventional mortgage market. A SUN mortgage is just one step on their path to financial health. Watch the video "Spotlight on SUN: The way forward" to learn more about refinancing.

Learn more in our Homeowner Info Center

We partner with people to save their homes for good

Meet Our Affiliates

BlueHub SUN is what we call the various entities that make a client's second chance possible. Throughout the application process, you will hear these different names:

• Aura Mortgage Advisors, a licensed mortgage lender, handles underwriting and issues mortgages to BlueHub SUN clients.
• NSP Residential buys and resells homes and negotiates with a homeowner’s existing mortgage lender on the purchase price. NSP also issues the shared appreciation mortgage (this product is temporarily unavailable to new clients). 
• Dovenmuehle (DMI) is our mortgage servicer and handles billing, payments, and other services. Dovenmuehle runs the online portal where you can manage your mortgage account. They also mail out your monthly mortgage statement. BlueHub SUN staff work closely with Dovenmuehle to answer your questions. Even as you hear from Dovenmuehle, you are still working with the BlueHub SUN program.

BlueHub Capital is SUN’s affiliate nonprofit organization. It is a national community finance organization based in Boston with a decades-long history of building healthy communities where low-income people live and work.