How to Handle a Foreclosure
Federal law, state law, and your mortgage contract provide you with protections and rights in a foreclosure.
Get tips on what to do—and what not do—if you’re facing a foreclosure.
The terms of the mortgage or deed of trust you signed when getting your home loan usually define what constitutes default.
If you respond to a foreclosure lawsuit, but don’t bring up any valid issues, the foreclosing party will likely ask the court for summary judgment.
If you don’t respond to a foreclosure lawsuit, the lender will ask the court for a default judgment.
With a strategic default, you decide to let your home go through a foreclosure because it's a bad financial decision to keep it. Learn the consequences and alternatives.
If you're unemployed, you might be able to get a mortgage forbearance, loan modification, or temporary financial assistance to tide you over.
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