Alternatives to Foreclosure

If you’re behind on your mortgage payments or have already defaulted on your loan, you might be able to avoid a foreclosure. You could be able to keep your home by working with your servicer and lender, figuring out a way to reduce your mortgage payments, like with a modification, or qualifying for a foreclosure assistance program. If walking away from your home is the best financial decision for you, you have other options, like a short sale, deed in lieu of foreclosure, or just letting the foreclosure happen.

Before you decide what to do, make sure you understand all of your options and their consequences.

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