Understand exactly where you are in the process, what comes next, and what you can do at each stage to stop foreclosure and save your home.
Fill out the form below and we'll contact you within 24 hours.
Your mortgage payment is 30 days late. The lender will call and send letters. This is the best time to act. All options are still on the table — loan modification, refinance, reinstatement, or forbearance.
The lender files a Notice of Default with the county recorder. You now have a reinstatement period (varies by state, typically 90 days) to pay all past-due amounts and fees. Loan modification, forbearance, and other loss mitigation options remain available.
The auction date is set — typically 21-25 days out. This is urgent. You can still stop the sale via reinstatement, loan modification approval, filing bankruptcy, or negotiating a postponement with your lender. Do not wait.
The property is auctioned to the highest bidder. After this point, rights vary by state. Some states allow a redemption period; in others, eviction begins immediately. Don't let it get this far — you have options at every stage before this.
Your state's foreclosure type determines everything: how long you have, what notices you get, and your legal rights. About half of states use judicial foreclosure; the other half use non-judicial.
States: FL, NY, NJ, IL, OH, PA, SC, LA, MD, CT, DE, HI, IN, KS, KY, ME, MA, ND, NM, SD, VT, VA, DC
Full Judicial GuideStates: CA, TX, AZ, GA, MI, WA, CO, NV, OR, UT, ID, MT, WY, NH, RI, TN, MS, MO, AR, OK, MN, IA, NE, WV, AL, AK, NC
Full Non-Judicial Guide"I just missed my first payment. What now?"
Call your servicer's loss mitigation department immediately. At this stage, forbearance or a simple repayment plan may solve the problem. The worst thing you can do is wait. Late fees are already accruing — address it now before they pile up into an unaffordable sum.
"I received a Notice of Default. Is it too late?"
No. In most non-judicial states, you still have 90+ days from the NOD. Contact a specialist immediately. A complete loss mitigation application can stop the clock. Dual tracking is illegal under federal rules — your modification must be reviewed.
"Auction is in 3 weeks. Can anything stop it?"
Yes — but options are narrow. Filing Chapter 13 bankruptcy triggers an automatic stay that halts the sale immediately. A Temporary Restraining Order can also stop a sale if you can show lender violations. Both require immediate legal action.
"The sale happened. What are my rights now?"
Check your state's redemption rights. Some states allow months to reclaim. If the sale was improper, you may have a wrongful foreclosure claim. Also, excess proceeds from the sale may be yours to claim. Don't assume it's over.