Behind on payments? Start with free, independent help.
If you've missed mortgage payments or received a foreclosure notice, act quickly. Deadlines can be short. These steps come first, before talking to any buyer, including us.
Important: Contacting us, filling out our form, or receiving an offer does not stop or delay a foreclosure. We are not attorneys or housing counselors, and we don't negotiate with lenders on your behalf.
Step 1: Contact your mortgage servicer
Call the number on your mortgage statement. Ask what options exist, such as a repayment plan, forbearance, or loan modification, and what the deadlines are. Write down who you spoke with and when.
Step 2: Talk to a HUD-approved housing counselor (free)
HUD-approved counselors can review your situation and help you talk to your servicer at no cost.
Step 3: Get legal advice if you need it
An attorney can explain your rights and deadlines. If cost is a concern, you may qualify for free legal help.
Watch out for foreclosure scams
- Anyone who asks for an upfront fee to "save" your home
- Anyone who tells you to stop paying your mortgage or stop talking to your lender
- Anyone who asks you to sign over your deed before you understand the terms
- Promises that sound guaranteed
Where a sale may fit
For some homeowners, selling the house is the best way to protect their equity. That might mean listing with an agent or selling directly. If you want to explore a sale, we can review the property and explain an offer in writing, but we won't promise that a sale resolves every debt or legal issue.
If a foreclosure sale already happened and the property sold for more than was owed, you may be entitled to surplus funds. The county Clerk & Master's office or an attorney can explain how to file a claim.