Keep your home
Catch up on missed payments
A repayment plan spreads missed payments over time. Reinstatement pays the past-due amount and applicable costs in a lump sum.
A WAY FORWARD STARTS HERE
Your home.
Your options.
A fresh start.
Facing foreclosure can feel overwhelming.
Understand your options and take the next step
with a little more clarity.
No obligation to sell Private help request
More than a house.A place to begin again.
A clear place to start Resources grounded in official guidance Your decision, at your pace
A SMALL STEP. A CLEARER PICTURE.
You don’t have to figure
everything out today.
01
Share your situation
Tell us about your property, timeline, and what you’re considering.
02
Request a conversation
Submit your details for the site operator to review and follow up.
03
Choose your next step
Compare your options, seek independent advice, and decide what works for you.
LET’S TAKE THE NEXT STEP
Tell us where
you are.
Start from there.
You don’t need to have all the answers. Share what you know and request a conversation about your situation.
Keeping your home? Start here. Considering selling? Start here. Still unsure? That’s okay, too.
Have a sale date approaching?
Contact your servicer and a local attorney now. This form does not stop or delay foreclosure.
Find free HUD-approved counselingGOOD INFORMATION. BETTER DECISIONS.
Help you can turn to.
Independent resources to help you understand your rights, talk to your lender, and avoid costly mistakes.
FREE COUNSELING
Talk to a HUD-approved counselor
Find independent, free foreclosure counseling near you.
Find a housing counselorSTART WITH YOUR SERVICERPrepare for your lender conversation
Ask about loss mitigation, required documents, and deadlines.
Read the CFPB guidePROTECT YOURSELFKnow the signs of a rescue scam
Be wary of guarantees, upfront fees, and pressure to sign.
Read the FTC guidanceBEFORE YOUR NEXT CONVERSATION
Keep these documents handy.
Latest mortgage statementForeclosure notices & sale dateIncome & expense informationLetters from your loan servicer
A LITTLE MORE CLARITY
Your questions,
answered.
You’re not alone in asking.
Can I stop foreclosure once it has started?
You may still have options, depending on your state, loan, finances, and the stage of the process. Contact your servicer and a HUD-approved housing counselor immediately. If a sale is scheduled or legal papers have arrived, also speak with a local attorney. No outcome is guaranteed.
What if my foreclosure sale is coming up soon?
Verify the sale date with your servicer, trustee, or court and contact a licensed attorney in your state right away. A help request on this website does not postpone the sale, meet a court deadline, or create an attorney-client relationship. Do not wait for a response here to seek urgent help.
Do I have to sell my home?
No. The form lets you choose yes, no, or maybe. Repayment plans, loan modifications, and forbearance may help some homeowners keep their home. Selling is one possible option, and you should compare any offer against other available choices.
Is HUD-approved foreclosure counseling free?
Foreclosure counseling through HUD-approved housing counseling agencies is free. Those independent agencies can help you understand options and communicate with your mortgage servicer. StopForeclosures.net is a private resource and inquiry site, separate from HUD and those agencies.
What happens when I request help?
Your information is saved for the StopForeclosures.net site operator to review and contact you about your request. Submitting the form does not enroll you in a lender assistance program, obligate you to sell, or guarantee a response time or foreclosure outcome.
How can I spot a foreclosure rescue scam?
Be cautious of guaranteed results, demands for upfront fees to obtain mortgage relief, instructions to stop paying your servicer, or pressure to transfer your deed. Read documents carefully and seek independent advice before signing. The FTC provides guidance on recognizing these scams.
ONE STEP CAN MAKE A DIFFERENCE
Request help