Find Foreclosure Help Resources (Get Help Now)
If you’re facing foreclosure, these foreclosure help resources can help you understand your options and take action quickly. Acting quickly can help you avoid losing your home.
I Need Help in My State
Find foreclosure help resources, legal aid, and housing counseling programs based on where you live.
I Need to Understand the Process
Learn how foreclosure works, what your options are, and what steps to take next.
I Want Practical Guidance Right Now
Read foreclosure guides that explain what to do, what to expect, and how to respond.
Your Foreclosure Options
Depending on your situation, you may have several options available.
Loan Modification
A loan modification allows you to change the terms of your mortgage to make payments more affordable. This may include lowering your interest rate, extending the loan term, or adding missed payments to the balance. It’s one of the most common ways homeowners avoid foreclosure.
- Learn how loan modification works -> Loan Modification Explained: 5 Proven Steps to Lower Payments
Repayment Plan
A repayment plan lets you catch up on missed payments over time by adding a portion of the past-due amount to your monthly payment. This option works best if your financial hardship was temporary and your income has stabilized. Lenders may offer this as a way to bring your loan current without changing the original terms.
Selling Before Foreclosure
Selling your home before foreclosure can help you avoid long-term credit damage and regain financial control. You may be able to sell traditionally or pursue a short sale if your home is worth less than what you owe. Acting early gives you more flexibility and better outcomes.
Bankruptcy
Filing for bankruptcy can temporarily stop foreclosure through an automatic stay, giving you time to reorganize your finances. In some cases, it may allow you to catch up on missed payments or discharge certain debts. This is a complex option and typically requires legal guidance.
- Understand how bankruptcy affects foreclosure -> Can Filing for Bankruptcy Stop a Foreclosure?
Types of Foreclosure Help Available
These foreclosure help resources are designed to support homeowners at every stage of the foreclosure process, from early missed payments to active foreclosure proceedings:
- Housing counseling — free guidance on your options
- Loan modification assistance — help negotiating with lenders
- Legal aid — understand your rights and protections
- Government programs — state and federal relief options
- Financial counseling — budgeting and repayment strategies
How to Choose the Right Foreclosure Help
Not all foreclosure help options are the same. The best choice depends on your situation, timeline, and goals.
- Act early—more options are available before foreclosure progresses
- Start with a HUD-approved housing counselor (free, unbiased guidance)
- Understand your state’s foreclosure process and timeline
- Avoid scams—never pay upfront fees for foreclosure help
Once you understand your options, contact your lender to discuss possible solutions.
- Learn how to talk to your mortgage servicer -> How to Talk to Your Mortgage Servicer: A Script That Works
You Do Not Need to Figure This Out Alone
If you’ve missed mortgage payments, received a foreclosure notice, or aren’t sure what to do next, the most important thing is to act early. The sooner you seek foreclosure help, the more options you may have.
- Work with a housing counselor
- Explore loan modification options
- Get legal help
- Understand your rights before foreclosure moves forward
Why Homeowners Trust ForeclosureShield
- 100% free to use
- No data selling
- Curated and verified foreclosure help resources
- State-specific guidance
- Plain-language explanations
Still Not Sure Where to Start?
If you’re unsure which foreclosure help resources are right for you, start by understanding how the process works and what options may be available.
Foreclosure Help Guides
Explore expert guides to better understand your options and next steps:
- 7 Government Programs That Can Help You Keep Your Home
- Can I Stop a Foreclosure Once It’s Started?
- What to Do Immediately After Receiving a Notice of Default
- Foreclosure Guide Library
ForeclosureShield provides general educational information only — not legal, financial, or tax advice. Foreclosure laws and assistance programs vary by state and change over time; always confirm details with a HUD-approved housing counselor or a licensed attorney in your state. Attorney and service-provider listings are paid advertising and are not endorsements, recommendations, or referrals — verify any attorney’s credentials and standing with your state bar before hiring. ForeclosureShield is not affiliated with any government agency, lender, or credit bureau. See our full Disclaimer page. HUD hotline: 1-800-569-4287.