Facing Foreclosure?

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You Are Not Alone!
You Have Options!

Foreclosures are on the rise.
Don't lose your home without exploring every option.
Get the insights you need to know how to move forward.

Whether it’s negotiating with your lender, exploring legal defenses, or even considering a sale to protect your equity, you have options.

Preserve Your Equity

Don't let the banks drain your home's equity.
You can remain in control.

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a man riding a skateboard down the side of a ramp
a man riding a skateboard down a street next to tall buildings
a man riding a skateboard down a street next to tall buildings
Know Your Options

A foreclosure isn't always the only option.
Find out what you can do today.

A Short Sale allows you to sell for less than the amount owned the bank and be forgiven the rest of the debt.

Sell For Less Than Owed

Julie Miller

Certified Distressed Property Expert

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I know this is a tough time, and you may be feeling overwhelmed by the fear of losing your home. As a local real estate Broker I want you to know—you’re not alone.

The banks may be pressuring you, but you have options that can make a difference. I'm a Certified Distressed Property Expert and I'm here to help.

This is your chance to explore solutions.

I’m here to help you make informed decisions and to move forward.

If you’re ready to learn more, reach out—I'm here to help.

Free eGuide

Download the free eGuide on how to avoid foreclosure

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HUD offers a range of programs and counseling services to help homeowners avoid foreclosure and manage mortgage difficulties.

Federal Assistance and FHA Programs

Homeowners struggling with mortgage payments are encouraged to contact their lender or loan servicer to explore foreclosure prevention options. For FHA-insured homeowners, HUD provides loss mitigation programs designed to help those in default or at risk of default due to financial hardship, unemployment, or other challenges. These programs include options such as loan modifications, repayment plans, and forbearance agreements to help maintain homeownership HUD.gov.
The Homeowners Hope Hotline (1-888-995-HOPE) is available for immediate guidance, and FHA staff can assist borrowers in understanding their options under these programs HUD.gov. Persons with hearing or speech impairments can access assistance via TTY at 1-800-877-8339.

HUD-Approved Housing Counselors

HUD-approved housing counseling agencies provide free or low-cost advice on foreclosure prevention, mortgage defaults, forbearances, and credit issues. These counselors can help homeowners develop a plan to stay in their home and regain financial stability.
You can locate a counselor near you by visiting HUD’s official search tool or calling 1-800-569-4287 huduser.gov.

Additional Resources

Key Steps for Homeowners

  1. Contact your lender immediately if you are behind or anticipate difficulty making payments.

  2. Reach out to a HUD-approved housing counselor for guidance and personalized support.

  3. Explore federal and state programs for mortgage assistance, including FHA loss mitigation and HAF programs.

  4. Document your financial hardship and gather necessary paperwork to apply for assistance.
    By taking these steps early, homeowners can access resources to prevent foreclosure, stabilize their finances, and maintain homeownership HUD.gov.

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