A missed payment, an inherited property, or repairs you cannot afford can make every decision feel urgent. Start by understanding your options. Selling is one possible path; keeping your home may be another.
If you have court papers or a scheduled sale: contact your mortgage servicer and a qualified attorney promptly. Deadlines depend on your situation and state. Talking with us or requesting an offer does not pause a foreclosure.
“I am having trouble with my mortgage and want to understand my options. What assistance might apply? What documents and deadlines do I need? Has a foreclosure or sale been scheduled? Please send the requirements and any agreement in writing.”
Write down the date, representative’s name, reference number, next step, and deadline. Keep copies of what you submit.
Share financial documents only through the verified channels your servicer or adviser provides. Do not text us Social Security numbers, bank details, or sensitive paperwork.
Ask your servicer and a housing counselor about options that may fit your loan and circumstances, such as a repayment plan or modification. Availability and approval vary. Get any proposed terms in writing before relying on them. The FTC’s mortgage-help guide explains common options and warning signs.
Compare an agent-assisted sale, an as-is listing, and a cash offer. A marketed sale may bring a higher price; an as-is cash sale may reduce preparation and uncertainty. Compare expected net proceeds, timing, conditions, and where you will live next. If the proceeds will not cover the mortgage or other debts, ask your servicer and a qualified adviser what approvals or alternatives may be needed.
Use our selling-options comparison and How It Works guide. No purchase is guaranteed, and a proposed closing date is not a promise to stop a foreclosure.
The Indiana Foreclosure Prevention Network connects homeowners with free, confidential counseling. Call 877-438-4673. This is a counseling resource—not a promise of grant funding. For Kentucky or Illinois properties, the national mortgage-help directory can help you find local support.
Be cautious of anyone who guarantees they can stop foreclosure, asks you to pay for promised rescue, or tells you to stop speaking with your lender. Read documents carefully and get independent advice before signing over ownership. See the FTC’s scam guidance.
Our goal is to help you understand a practical next step. If selling fits your needs, we can discuss a free, no-obligation as-is cash offer. We pay closing costs, and you may leave unwanted belongings as agreed. You decide whether that option is right for you.
We are property buyers, not your lender, housing counselor, or attorney. This guide is general educational information, not legal, financial, or tax advice. Use independent professional advice for your situation.
Resources reviewed November 4, 2026. Programs and eligibility can change; confirm directly with the linked organizations.
