What brings you to our HouseLogic Foreclosure Guide?

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  Facing Foreclosure

  It's frightening to think you might lose your home. Don't let fear freeze you into inaction. We're here to inform you so you can make smart, proactive decisions to fight back and get your life back on track.

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  Stopping the Foreclosure Crisis

  The foreclosure crisis affects you—the responsible homeowner—your community, and the fiscal health of our nation. Here's why you should care and what you can do to help.

Questions you may be asking

• I can't make my payments. What do I do?

  How to Talk to Your Lender About Foreclosure

  When facing foreclosure, the first step is to get in touch with your lender to discover your options.

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  Facing Foreclosure: What to Do Right Now

  If you’re facing foreclosure, don’t panic: Take steps right now to save your home or at least lessen the blow of its loss.

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• What are my alternatives to foreclosure?

  Foreclosure Alternative: Deed in Lieu

  Facing foreclosure and you just want it over with? The deed in lieu of foreclosure may be your best alternative. Here are the advantages, disadvantages and tips on obtaining a deed in lieu.

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  Foreclosure Alternative: The Short Sale

  A short sale is far from hassle-free, but it’s a better alternative than foreclosure. And now you’ve got a little help from your friends in D.C. Here are the facts about short sales and how to get started.

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  Making Home Affordable: The Modification Option

  The Making Home Affordable program offers at-risk homeowners a chance to modify mortgages to avoid foreclosure on their homes.

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  • 1 Person Did It

  Fight Foreclosure Through Redemption or Reinstatement

  Redemptions and reinstatements are among the rarest tactics to fight foreclosure. Your home must be in a state that supports them; even more important, you must have access to cash.

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• Who can help me?

  Foreclosure Help: 5 Pros You Need on Your Team

  Know which experts provide foreclosure help—often at no cost to you—and how to find them.

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  Avoid Foreclosure Rescue Scams

  With foreclosure rescue scams widespread as more homeowners fall behind on mortgage payments, be smart if you seek help.

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  Website Resources for Foreclosure Help

  Here are some legitimate resources to help you fight the foreclosure crisis.

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  Foreclosure Counselors: What They Can and Can't Do

  Foreclosure counselors can make the difference between losing your home and keeping it. Here’s how they work and how to choose one.

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• How will foreclosure affect my credit score?

  How Foreclosure Affects Your Credit Score

  Foreclosures—and how you handle them—may have long-term credit score implications.

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• Can I ever be a homeowner again?

  5 Steps to Owning a Home Again After Foreclosure

  Foreclosure is just a one-time event—with discipline and perseverance, you can get a mortgage and become a homeowner again.

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• Why should I care about the foreclosure crisis?

  How the Foreclosure Crisis Costs You Money

  Foreclosure may seem like someone else’s problem, but when it happens in your neighborhood, it’s going to cost you money, too.

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  Fight Foreclosures in Your Community

  Even if you’re current on your mortgage, nearby foreclosures can affect your community through lower property values, higher crime rates, and lost services.

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• Who's working to stop the foreclosure crisis?

  REALTOR® Groups Fight Foreclosure Crisis

  Local real estate professionals have launched innovative solutions to the foreclosure crisis—many funded by the NATIONAL ASSOCIATION OF REALTORS®—in cities around the country.

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• What can I do to help?

  5 Ways You Can Help Resolve the Foreclosure Crisis

  The foreclosure crisis may seem big, but here are some small steps you can take to help resolve it.

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  Fight Foreclosures in Your Community

  Even if you’re current on your mortgage, nearby foreclosures can affect your community through lower property values, higher crime rates, and lost services.

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  4 Ways Vacant Foreclosed Homes Hurt You and 7 Ways to Fight Back

  Vacant foreclosed homes steal value from your home and your neighborhood. Here’s how to limit the damage.

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