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Homeowner Foreclosure Prevention

Every alternative to foreclosure, explained

There is no single “right” way out of mortgage trouble — there's the right way for your situation. These are the ten tools, what each one really involves, and who it fits.

A homeowner comparing labeled folders for each foreclosure alternative at a sunny kitchen table
The full menu

Ten paths out of foreclosure

Homeowner reviewing new mortgage terms paperwork with a specialist

Loan Modification

Permanently restructure your loan so the payment fits your budget again.

Learn how it works
Calendar and mortgage statement showing a paused payment plan

Mortgage Forbearance

Pause or reduce payments temporarily while you get back on your feet.

Learn how it works
Household budget worksheet with a catch-up payment schedule

Repayment Plan

Catch up on missed payments gradually — no lump sum required.

Learn how it works
Homeowner signing new loan documents at a bank office

Refinance

Replace the loan with one you can actually afford.

Learn how it works
Homeowner reviewing an itemized reinstatement quote

Reinstatement

Pay the past-due amount and stop the process in its tracks.

Learn how it works
Family placing a For Sale sign in front of their home

Sell On Your Terms

Protect your equity and leave on your schedule — not the auction's.

Learn how it works
Sale pending sign in front of a modest suburban home

Short Sale

Sell for less than you owe — with the lender's blessing.

Learn how it works
Homeowner handing house keys across a table

Deed in Lieu of Foreclosure

Hand back the keys by agreement — and walk away clean.

Learn how it works
Gavel and family home documents on a desk

Chapter 13 Bankruptcy

A court-supervised plan that can stop a sale immediately.

Learn how it works
HUD housing counselor meeting with a homeowner couple

Government & HUD Programs

Free counseling and assistance programs you may already qualify for.

Learn how it works
Which one fits you?

Get your options ranked in one free review

A specialist compares your income, equity, and timeline against every path above — and tells you honestly which ones are real for you.

  • Foreclosure specialists, no pressure
  • Every option explained in plain English
  • Free consultation — no upfront fees

See your options

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Homeowner reviews

Trusted by homeowners like you

Real stories from families we've helped face foreclosure with a plan.

“They explained every option without pressuring me toward any of them. First time in months I felt in control.”
JJessica T.Homeowner · TX
“Three months behind and panicking. The specialist got my servicer on a modification review within the week.”
VVictoria L.Homeowner · FL
“I finally understood what the letters from the bank actually meant. Plain English, real deadlines, real options.”
BBradley O.Homeowner · CO
“The consultation was actually free — no upfront fees, no bait and switch. Just straight answers.”
SShannon M.Homeowner · AZ
“We kept the house. Payment came down, missed payments moved to the back of the loan. Life-changing.”
JJose R.Homeowner · CA
“I chose to sell, and they helped me do it on my schedule instead of the auction's. Kept my equity.”
MMarcus D.Homeowner · GA
“Had an auction date 5 weeks out and still found a path. Don't assume it's too late — call.”
PPriya N.Homeowner · NY
“After my husband's surgery we fell behind fast. Forbearance gave us room to breathe and catch up.”
KKaren S.Homeowner · NC
“No judgment, no scripts. They'd clearly helped a hundred people in my exact situation.”
TTom B.Homeowner · OH
“The repayment plan let us catch up a little each month. No lump sum, no losing the house.”
AAisha R.Homeowner · IL
“One phone call replaced weeks of panic-googling. I knew my state's timeline and my real deadlines.”
DDaniel K.Homeowner · WA
“They answered on a Saturday and treated it like the emergency it felt like. Forever grateful.”
EEthan W.Homeowner · MI
“They explained every option without pressuring me toward any of them. First time in months I felt in control.”
JJessica T.Homeowner · TX
“Three months behind and panicking. The specialist got my servicer on a modification review within the week.”
VVictoria L.Homeowner · FL
“I finally understood what the letters from the bank actually meant. Plain English, real deadlines, real options.”
BBradley O.Homeowner · CO
“The consultation was actually free — no upfront fees, no bait and switch. Just straight answers.”
SShannon M.Homeowner · AZ
“We kept the house. Payment came down, missed payments moved to the back of the loan. Life-changing.”
JJose R.Homeowner · CA
“I chose to sell, and they helped me do it on my schedule instead of the auction's. Kept my equity.”
MMarcus D.Homeowner · GA
“Had an auction date 5 weeks out and still found a path. Don't assume it's too late — call.”
PPriya N.Homeowner · NY
“After my husband's surgery we fell behind fast. Forbearance gave us room to breathe and catch up.”
KKaren S.Homeowner · NC
“No judgment, no scripts. They'd clearly helped a hundred people in my exact situation.”
TTom B.Homeowner · OH
“The repayment plan let us catch up a little each month. No lump sum, no losing the house.”
AAisha R.Homeowner · IL
“One phone call replaced weeks of panic-googling. I knew my state's timeline and my real deadlines.”
DDaniel K.Homeowner · WA
“They answered on a Saturday and treated it like the emergency it felt like. Forever grateful.”
EEthan W.Homeowner · MI
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