Learn five proven ways homeowners can stop foreclosure before it starts. Short Sale Experts explains your options, including loan modifications, repayment plans, and short sales.

If you’ve fallen behind on mortgage payments or you’re starting to feel pressure from your lender, you’re not alone. Thousands of homeowners face this every month — and the good news is this:

Foreclosure is not your only option.

Here are five proven ways to stop foreclosure before it starts.

1. Contact Your Lender’s Loss Mitigation Department

Most people avoid calling their lender because they feel embarrassed or anxious. But here’s the truth:

Your lender does not want to foreclose.

When you call, ask about:

• Forbearance (temporary pause or reduction in payments)

• Repayment plan (spread missed payments out over time)

• Loan modification (permanent change to your loan terms)

• Interest rate adjustment

Reaching out early can buy you valuable time and open more options.

2. Request a Loan Modification

A loan modification permanently changes your mortgage terms to make the payment affordable again. It may:

• Lower your monthly payment

• Extend your loan term

• Reduce your interest rate

• Move missed payments to the back of the loan

If your financial hardship is long-term but you want to keep your home, this is a strong

option.

3. Sell Before Foreclosure Hits Your Credit

If keeping the home isn’t realistic, selling before the foreclosure date protects your credit and gives you control over the process.

This is ideal if:

• You have equity

• You can sell quickly

• You want a clean financial reset

Even if your home needs updates or repairs, a strategic listing plan can help get it sold fast.

4. Consider a Short Sale if You’re Underwater

If you owe more than your home is worth, a short sale may be the best path forward.

A short sale:

✔ Stops foreclosure✔ Often allows you to stay in the home during the process✔ Has less credit damage than foreclosure✔ May include relocation assistance✔ Helps you move forward with dignity and control

The key is working with an experienced short sale agent who knows the systems, negotiators, and approval process.

(Hint: that’s us.)

5. Don’t Ignore the Letters

Avoiding the mail won’t make foreclosure go away — it only makes things worse.

Opening and responding to notices early gives you:

• More time

• More options

• More leverage

• More solutions

The sooner you act, the more control you have.

You Have Options — Let’s Find the Right One Together

Whether you want to save your home or transition out of it with the least impact, you deserve a clear strategy — not stress.

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