Facing Foreclosure?
Here's What You Can Do.
We understand how scary foreclosure can be. Our foreclosure experts are here to help you navigate your options.
What Is Foreclosure?
Foreclosure happens when a homeowner falls behind on mortgage payments and the lender begins the process of reclaiming the home to recover the unpaid debt. But behind the paperwork and deadlines are real people going through real-life challenges—job loss, illness, rising expenses, divorce, or simply trying to stay afloat in an uncertain world.
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Whether you want to try and stay in your home or need to sell quickly to protect your credit, we’ll walk beside you—no pressure, no judgment.
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Thousands of homeowners go through this every year—and many come out the other side with their dignity, credit, and even cash in hand.
What Happens During Foreclosure
1
Missed Payments Begin
You may start falling behind due to financial hardship. The lender usually gives a grace period but will eventually begin sending warnings.
2
Notice of Default (NOD)
After about 90 days of missed payments (in most states), the lender will file a Notice of Default. This is the start of the formal foreclosure process.
3
Pre-Foreclosure Period
You still have time to act! This period is often the best time to work out a solution—like loan modification, repayment plan, or even selling the home to avoid a foreclosure on your record
4
Notice of Sale / Auction Date Set
If no resolution is reached, the lender will schedule the home for auction. This is the point where time becomes extremely limited—but even now, there are still possible solutions.
5
Foreclosure / Eviction
If no action is taken, the property may be sold at auction and you could be forced to leave the home.
How to Prevent Foreclosure
To prevent foreclosure, the key is to act early and communicate with your lender as soon as you experience financial hardship. Explore options like loan modification, forbearance, or repayment plans that can temporarily reduce or pause your mortgage payments. You may also consider refinancing or selling the home before foreclosure proceedings begin. Working with a foreclosure-experienced real estate agent or housing counselor can help you understand your rights, negotiate with your lender, and find the best solution to protect your home and credit.
You're Still in Control. Let’s Explore Your Options Together.
We’ll listen. We’ll explain your options. And we’ll work with you to create a path that makes sense for your life.
951-568-4551