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Avoid foreclosure

Foreclosure happens when a lender seizes and sells a property because the homeowner has not been making the required mortgage payments. Learn how you might be able to prevent it.

Communicate with your lender

If you know that you are going to have trouble paying your mortgage:

  • Contact your lender immediately and let them know you are having financial difficulties. This allows your lender time to work with you to create a plan.
  • Do not stop paying your bills.
  • Do not wait until you cannot make payments before you act.

Learn how to talk to your lender about trouble making payments.

Get help from housing counselors and programs

Government programs and housing counselors can help you learn your options as you work to keep your home.

LAST UPDATED: December 15, 2023


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