Your options
Your options before foreclosure, side by side.
The right option depends on your loan, your income, your equity, and how close the sale date is. Compare them here, then call me today so we can narrow it down.
Catch up (reinstate)
Pay what is past due to bring the loan current.
Read moreModification or forbearance
Change loan terms or pause payments.
Read moreShort sale
Sell for less than you owe with lender approval.
Read moreSell and keep your equity
Sell before the auction to protect what you have built.
Read moreAt a glance
| Option | Needs equity? | Needs lender approval? | Typical speed | Best when |
|---|---|---|---|---|
| Catch up | No | Not for lump sum | Fast | You can find the funds |
| Forbearance / modification | No | Yes | Weeks | Income can support payments |
| Short sale | No (owe more than value) | Yes | Weeks to months | You cannot keep the home |
| Sell with equity | Yes | No | Weeks | You want to protect equity |
General comparison only. Your case may differ.
Not sure where to start?
Pick your situation: Behind on payments · Notice of Default · Notice of Trustee Sale · Not sure what I received.
What I can and cannot do
I cannot promise to stop a foreclosure, and I am not an attorney. I can explain your options and your timeline and refer you to an attorney or HUD-approved housing counselor when you need one. No upfront fees.
Common questions
Which option is best?
It depends on your timeline, equity, and income. A free call is the fastest way to find which one fits.
Can I combine options?
Sometimes, such as applying for a modification while preparing to list. Ask early, because timelines can conflict.
Do I have to choose today?
No, but deadlines may not move. The sooner you know your numbers, the more choices stay open.
Related: How it works · About Alex
Narrow it down today
Fifteen free minutes can show you which option is realistic for your timeline.
Book my free call