Tell us what is happening
Share the basics about your missed payments, foreclosure notices, lender, and timing.
Foreclosure help for U.S. homeowners
Understand your options before time runs out.
Behind on mortgage payments or facing a foreclosure notice? Start with a private review of your situation and prepare for a more informed conversation with your mortgage servicer.
No-cost initial reviewNo obligationNationwide support
If a sale date is scheduled, call your servicer and a qualified local attorney promptly. Deadlines vary by state.
ClearPlain-language explanations
PrivateConsent-based contact
PracticalInformation organized for next steps
NationwideSupport for homeowners across the U.S.
Start where you are
Mortgage trouble can move quickly. Your response should, too.
Missing a mortgage payment can feel isolating, but there may be more than one path to consider. Depending on your loan and circumstances, your servicer may review you for a repayment plan, forbearance, loan modification, partial claim, short sale, or another loss mitigation option.
Foreclosure Leader helps you take stock of the situation, collect the essential details, and identify questions worth asking next. We do not promise an outcome, and we do not replace your servicer, a HUD-approved counselor, or legal counsel.
A visual action map
From mortgage notice to an informed next step
1Read every notice
Mark deadlines, balances, contact names, and any sale date.
2Call the servicer
Ask for the full loss mitigation application and missing-item list.
3Build the file
Gather income, hardship, expense, and mortgage documents.
4Compare written options
Review the payment, term, deferred amount, and long-term cost.
Ways we can support you
Help matched to the mortgage problem in front of you
Use these guides to understand common options, important timing, and the information your servicer may request.
01
Foreclosure help
Steps to take after a default notice, notice of sale, or other foreclosure communication.
Explore foreclosure help02Loan modification
Learn how a permanent change to loan terms may work and what a complete application often involves.
Understand modifications03Mortgage assistance options
Compare forbearance, repayment plans, partial claims, short sales, and other possible paths.
Compare common options04FHA foreclosure help
Review current FHA home-retention and home-disposition options described by HUD.
Read the FHA guideHomeowner Knowledge Center
Research the question in front of you without sorting through generic advice.
Explore twelve focused topic collections covering notices, servicer calls, application documents, modifications, FHA assistance, urgent sale dates, senior homeowner concerns, scams, and exit options.
DeadlinesDocumentsOptionsQuestionsWarning signs
Browse all 108 guidesA straightforward process
Three steps toward a clearer conversation
Talk through possible next steps
A support specialist reviews the information and helps you prepare questions for your servicer.
Act on the right timeline
Follow up promptly with your servicer, counselor, attorney, or other qualified professional as appropriate.
If a foreclosure sale date is set
Focus on the next 24 hours, not the next month.
- Call your mortgage servicer and ask what loss mitigation options remain available.
- Ask whether your application is complete and what documents are missing.
- Contact a HUD-approved housing counselor for independent assistance.
- Speak with a licensed foreclosure attorney in your state about deadlines and rights.
- Keep copies of every notice, application, upload, email, and call note.
Build a stronger application
Six document groups commonly requested by mortgage servicers
A complete file can reduce preventable back-and-forth. Requirements vary, so use your servicer's written checklist as the final authority.
01Mortgage statements02Income evidence03Bank statements04Hardship letter05Monthly expenses06Signed forms
Talk through your situation
A mortgage problem is easier to face with a plan.
A short conversation can help you organize the questions to take to your mortgage servicer.
Homeowner questions
Foreclosure help FAQ
What should I do first if I am behind on my mortgage?
Open every notice from your mortgage servicer, call the servicer promptly, and ask for its loss mitigation application. Gather income, expense, hardship, and mortgage documents so you can respond quickly.
Can a loan modification stop foreclosure?
A completed loss mitigation review may lead to a loan modification or another option, but approval is not guaranteed. The available solution depends on your loan, servicer, investor rules, payment history, income, and timing.
What if a foreclosure sale date has already been scheduled?
Treat a scheduled sale date as urgent. Contact your servicer, a HUD-approved housing counselor, and a licensed attorney in your state as soon as possible. State deadlines and procedures differ.
Is Foreclosure Leader a government program or law firm?
No. Foreclosure Leader is a private homeowner support service associated with Mortgage Modification Helpline. We are not a government agency, lender, servicer, or law firm.
Does requesting a review guarantee that I can keep my home?
No. No company can guarantee a particular loan modification or foreclosure result. We help organize your information and discuss possible next steps, while your servicer or other decision maker determines eligibility.
Foreclosure Leader
Nationwide homeowner support with a Los Angeles office.
Foreclosure Leader is associated with Mortgage Modification Helpline. Our mailing address is 1950 W 108th St, Los Angeles, CA 90047.