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Homeowner Foreclosure Prevention

The foreclosure-prevention library

Everything we explain on the phone every day, written down: timelines, letters, applications, credit, scams, and rights — in plain English, free.

A tidy desk with printed foreclosure guides, a highlighter, and reading glasses in warm daylight
All guides

Read what applies to you

Calendar pages and a mortgage statement laid out on a table

The Foreclosure Timeline, Explained Step by Step

From the first missed payment to the auction — every stage of foreclosure, what it means, and what you can still do at each point.

8 minRead
Stack of certified mail envelopes from a mortgage lender

Every Foreclosure Letter, Decoded

Breach letter, notice of default, lis pendens, notice of sale — what each document actually means and the deadline hiding inside it.

7 minRead
United States map with courthouse and clock icons

Judicial vs. Non-Judicial Foreclosure: What Your State's Process Means for You

Why the same missed payments lead to a year of court process in New Jersey and a 60-day sprint in Georgia — and how to use your state's rules.

6 minRead
Organized folder of financial documents ready for a lender

The Loss-Mitigation Application: How to Build a Package Lenders Approve

Most modification denials are paperwork denials. The complete checklist, the mistakes that sink applications, and the federal protections a complete file unlocks.

9 minRead
Credit report and calculator on a kitchen table

Foreclosure and Your Credit: Damage, Recovery, and the Ranking of Bad Options

What each outcome — modification, short sale, deed in lieu, foreclosure, bankruptcy — actually does to your score and your ability to buy again.

7 minRead
Warning sign over a pile of official-looking mail

Foreclosure Rescue Scams: The Complete Red-Flag List

Distressed homeowners are a scammer's favorite audience. How to recognize equity theft, phantom help, and bait-and-switch rescue schemes.

6 minRead
Certified check and reinstatement quote on a desk

Reinstating Your Mortgage: Deadlines, Quotes, and Where the Money Comes From

The most decisive way to stop a foreclosure — if you can fund it. How reinstatement works and the sources families actually use.

6 minRead
Real estate agent placing a sold sticker on a yard sign

Selling Your House Before Foreclosure: Timeline, Pricing, and Protecting Every Dollar of Equity

When keeping the home isn't realistic, a well-run sale beats an auction by tens of thousands of dollars. How to run one against the clock.

8 minRead
Person writing a letter beside a laptop and mortgage documents

How to Write a Hardship Letter (With the Structure Lenders Look For)

One page stands between you and a workout review. What loss-mitigation teams actually read for — and the mistakes that undermine good cases.

5 minRead
Homeowner on the phone taking notes at a kitchen table

Behind on Your Mortgage: 20 Questions Homeowners Ask First

Fast, straight answers to the questions we hear every day on the phone — from 'can they take my house?' to 'should I answer the door?'

10 minRead
Counselor explaining assistance program paperwork to a couple

State and Federal Foreclosure Assistance: What Exists and How to Claim It

HUD counseling, state homeowner-assistance funds, and the special protections attached to FHA, VA, and USDA loans.

6 minRead
Legal documents and calculator showing a remaining balance

Deficiency Judgments: When You Can Still Owe After Losing the Home

The debt that can follow a foreclosure — where it's allowed, where it's banned, and how every alternative handles it.

6 minRead
Beyond reading

Get answers specific to your situation

Guides cover the general rules — a free review covers your loan, your state, and your timeline.

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  • Every option explained in plain English
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Where do things stand today?

Homeowner reviews

Trusted by homeowners like you

Real stories from families who stopped foreclosure with a cash offer or a lease-back — and walked away with money in their pocket.

“They bought our house as-is and leased it right back to us. The foreclosure stopped and we never had to move. I still can't believe we got to stay.”
JJessica T.Homeowner · TX
“Auction was two weeks out. Their cash offer closed in six days and paid everything off — I walked away with money instead of a foreclosure on my record.”
VVictoria L.Homeowner · FL
“No repairs, no showings, no agent fees. They took the house exactly how it was and handed me a check at closing.”
BBradley O.Homeowner · CO
“The lease-back was a lifesaver. We stopped the foreclosure, got cash to catch up on everything else, and my kids never had to change schools.”
SShannon M.Homeowner · AZ
“I thought selling meant weeks of strangers walking through my house. Their cash offer meant one number, one closing date I picked, done.”
JJose R.Homeowner · CA
“They were honest about the numbers from the first call. Cash offer, no obligation, and money in my pocket to start over.”
MMarcus D.Homeowner · GA
“Behind on payments and a notice on the door. They bought it fast, paid off the mortgage, and I finally slept through the night.”
PPriya N.Homeowner · NY
“We didn't want to leave our home. The purchase and lease-back let us stay put and get out from under the mortgage at the same time.”
KKaren S.Homeowner · NC
“No pressure, no judgment. They laid out both options and let me choose. I took the cash offer and moved on with my equity intact.”
TTom B.Homeowner · OH
“Cash at closing, exactly like they said. It covered our moving costs and gave us a cushion to breathe again.”
AAisha R.Homeowner · IL
“One call and I understood both paths in plain English. They handled the lender and every deadline — I just picked a closing date.”
DDaniel K.Homeowner · WA
“They answered on a Saturday and treated it like the emergency it felt like. Bought the house, stopped the sale, forever grateful.”
EEthan W.Homeowner · MI
“They bought our house as-is and leased it right back to us. The foreclosure stopped and we never had to move. I still can't believe we got to stay.”
JJessica T.Homeowner · TX
“Auction was two weeks out. Their cash offer closed in six days and paid everything off — I walked away with money instead of a foreclosure on my record.”
VVictoria L.Homeowner · FL
“No repairs, no showings, no agent fees. They took the house exactly how it was and handed me a check at closing.”
BBradley O.Homeowner · CO
“The lease-back was a lifesaver. We stopped the foreclosure, got cash to catch up on everything else, and my kids never had to change schools.”
SShannon M.Homeowner · AZ
“I thought selling meant weeks of strangers walking through my house. Their cash offer meant one number, one closing date I picked, done.”
JJose R.Homeowner · CA
“They were honest about the numbers from the first call. Cash offer, no obligation, and money in my pocket to start over.”
MMarcus D.Homeowner · GA
“Behind on payments and a notice on the door. They bought it fast, paid off the mortgage, and I finally slept through the night.”
PPriya N.Homeowner · NY
“We didn't want to leave our home. The purchase and lease-back let us stay put and get out from under the mortgage at the same time.”
KKaren S.Homeowner · NC
“No pressure, no judgment. They laid out both options and let me choose. I took the cash offer and moved on with my equity intact.”
TTom B.Homeowner · OH
“Cash at closing, exactly like they said. It covered our moving costs and gave us a cushion to breathe again.”
AAisha R.Homeowner · IL
“One call and I understood both paths in plain English. They handled the lender and every deadline — I just picked a closing date.”
DDaniel K.Homeowner · WA
“They answered on a Saturday and treated it like the emergency it felt like. Bought the house, stopped the sale, forever grateful.”
EEthan W.Homeowner · MI
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