How to Avoid Foreclosure

Don’t lose your home—learn smart, actionable steps to stop foreclosure before it starts. From lender talks to equity strategies, here’s how to stay in control.

Foreclosure can feel like the end—but it doesn’t have to be. If you're behind on mortgage payments or facing financial hardship, there are proven ways to avoid losing your home.

• Contact Your Lender Early: Most lenders prefer to work with you than go through foreclosure. Ask about forbearance, repayment plans, or loan modifications.

• Explore HUD-Approved Counseling: Free help is available through housing counselors who can guide you through options like FHA loss mitigation programs.

• Use Your Home Equity: If you have equity, selling your home or refinancing may be a better option than foreclosure.

• Beware of Scams: Never pay upfront for foreclosure help. Stick with trusted sources like HUD.gov or Consumer Finance. [Avoiding F...Urban ...] [How to avo...ion Bureau]

• Act Fast: You typically have 120 days after a missed payment before foreclosure proceedings begin. The sooner you act, the more options you’ll have.