Facing foreclosure doesn't mean losing your home is inevitable. Legal options exist to delay, prevent, or negotiate alternatives to foreclosure.
Expert information to help you understand your rights and options
Facing foreclosure does not mean losing your home is inevitable. Understand the foreclosure timeline in your state, legal defenses that can delay or stop proceedings, loan modification options, and government programs designed to help struggling homeowners keep their properties.
Many foreclosures contain legal defects that can delay or defeat the proceedings entirely. Common defenses include improper notice, standing issues (lender cannot prove they own the note), RESPA violations, and statute of limitations. Learn which defenses apply to your situation.
Loan modifications can reduce your interest rate, extend your term, or add missed payments to the loan balance—making payments affordable again. Learn what lenders require in modification applications, how to document hardship, and strategies for successful negotiations.
Foreclosure works very differently depending on your state—judicial foreclosure requires court proceedings while non-judicial uses trustee sales. Learn your state specific process, typical timelines from missed payment to auction, and critical deadlines for asserting your rights.