Contact your lender immediately
Ask about loan modification options
Request forbearance if you need temporary relief
Refinance if you qualify
Sell the home before foreclosure starts
Consider a short sale if the home is worth less than the mortgage
Use a repayment plan to catch up on missed payments
Cut expenses and prioritize mortgage payments
Seek help from a HUD-approved housing counselor
Review local foreclosure prevention programs
Respond to all lender and court notices promptly
Avoid ignoring missed payments or legal deadlines
Explore government assistance programs
Consider renting out part of the home to increase income
Consult a housing attorney if foreclosure has begun