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Homeowner Foreclosure Prevention
Homeowner reviewing an itemized reinstatement quote

Reinstatement

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

See If This Fits My Situation

How it works

  1. 01Request the quoteAsk the servicer for a written, itemized reinstatement quote with a good-through date. Check it — fee errors are common.
  2. 02Fund itCertified funds by the deadline. Family loans, retirement loans, or selling an asset are common sources.
  3. 03Confirm in writingGet written confirmation the loan is current and the foreclosure is dismissed or cancelled.

Advantages

  • Immediate, definitive stop
  • Loan terms unchanged
  • No approval process — it's your right in most states

Trade-offs

  • Requires the full arrears in cash
  • Doesn't fix an unaffordable payment going forward
  • Quotes expire — timing is strict

Best for

  • A lump sum is genuinely available (401k loan, family help, bonus, sale of an asset)
  • The hardship was a one-time event
  • You're close to a sale date and need a decisive stop
FAQ

Reinstatement questions

How late can I reinstate my mortgage?

Many states protect reinstatement until shortly before the sale (for example, five business days in California; three months after notice of default in Utah). Even where the statute is silent, most lenders accept reinstatement any time before sale — but get the deadline in writing.

General information, not legal or financial advice. Results depend on your lender, loan, and state. Homeowner Foreclosure Prevention charges no upfront fees; free HUD counseling is available at 800-569-4287.

Next step

See if reinstatement fits your situation

Answer a few quick questions and a specialist will rank every option for your exact circumstances — this one included.

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

See your options

Free & confidential · foreclosure specialists

Step 1 of 50%

Start with your home address.

Let's see your options

Your information is secure and private.

Takes less than 30 seconds · Free review · No obligation

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
Call nowStart free review