Time matters
Understand Your Foreclosure Options
If you are behind on payments or facing a scheduled sale, act quickly. A direct property sale may be one option, but it is not the only option.
Contact your loan servicer immediately
Ask about reinstatement, repayment, modification, or forbearance
Consult a qualified housing counselor or attorney
Compare any sale option before deadlines expire
The original LifeTree video
See how selling your house can work.
Watch the movie from our original website, then explore your options. Tell us about the property, its condition, and the timing you need.
Ask how the current process and written offer apply to your situation. Any older figures or timing in the recording should be confirmed for your transaction.
Time-sensitive decisions
Clear facts make urgent property decisions easier.
ActReview notices and deadlines
ContactSpeak with the loan servicer
CompareKeep, sell or seek qualified advice
Deadlines matter
Gather the notices
Compare written options
If you want to keep the house
Ask your servicer and a HUD-approved housing counselor about loss-mitigation programs. Deadlines and available remedies vary by loan and state.
If selling may be necessary
Gather the mortgage balance, notices, liens, repair information, and property details. LifeTree can review whether a direct sale appears feasible, subject to title and transaction review.
Do not wait
Foreclosure is a legal and financial matter. Website information is educational and is not a substitute for advice from a licensed attorney, tax professional, lender, or housing counselor.
Important: This page provides general information, not legal, tax, credit, or foreclosure advice. Deadlines and rights vary by state and circumstance.
Your next step
Turn the question into a clear record.
Use one form so the property, location, contact information, and reason for reaching out stay together.
Prefer to talk? Call 1-833-LIFETREE.