Every path, explained plainly

Your options when facing foreclosure

Whether you want to keep your home or move on with dignity, there is usually more than one way forward. Here is each one, in plain English.

A sale with a lease-back and a possible option to repurchase — not a loan or a guarantee.

A fast, as-is cash sale that can protect your equity and let you leave on your terms.

Permanently change your loan terms so the monthly payment fits your budget.

A temporary pause or reduction in payments while you get back on your feet.

Catch up gradually by adding a portion of the past-due amount to your regular payment.

Pay the full past-due amount, fees, and costs in one payment to bring the loan current.

Sell for less than you owe, with your lender's approval, when the home is underwater.

Voluntarily transfer the home to your lender to end the foreclosure process.

An educational overview of how bankruptcy can affect a foreclosure case.

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