Job Loss, Medical Bills, Divorce, or Death in the Family
Most people facing foreclosure got there because of something outside their control. You have nothing to be ashamed of — and a documented hardship is exactly what lenders look for when reviewing relief.
Write a clear hardship letter
- What happened and when
- How it affected your income or expenses
- What has changed since, and what you can afford now
- What you are asking for
Divorce
A divorce decree does not remove a name from a mortgage. Both borrowers usually remain responsible until the loan is paid off, refinanced, or modified.
Medical or job loss
Temporary hardships often fit forbearance or a repayment plan. Lasting income changes may point toward a modification or a sale.
Keep exploring
Behind on Mortgage Payments
Missed one or more payments? This is the stage with the most options.
Learn moreReceived a Notice of Default or Demand Letter
A breach or demand letter means the lender is preparing for the next step.
Learn moreServed With Foreclosure Papers
A summons and complaint start the court case. Deadlines now matter.
Learn moreYou don't have to figure this out alone
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