Behind on Your Mortgage?
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Private and confidential. Nothing you type here is saved or sent to anyone. When you close or refresh this page, it is gone. Use the print button to keep your plan and bring it to any call.
For educational purposes only. There is no guarantee that this tool will stop any action taken by a lender or the courts.
Answer what you can. If you are not sure about something, skip it. There are no wrong answers.
Facing foreclosure is stressful, and you are not alone. Most homeowners have more options than they realize, and the earlier you act, the more of them you keep.
Fill in the form and choose Show my next steps.
Equity is the part of your home you truly own. Enter rough numbers; you can fine-tune them later with the Home Equity Spreadsheet.
Find your value with Zillow, Redfin, or Realtor.com, or ask a realtor. Get the exact payoff and reinstatement amounts from your lender.
Every situation is different, and some attorneys offer a free first consultation. If everything else has been tried, a bankruptcy attorney may also be worth a call. Sometimes the smartest move is an informed exit, not a fight.
These are not in any particular order. Review them all, and talk to your lender, a counselor, or an attorney before you decide.
Having these ready makes every call and application easier.
Disclaimer: This dashboard is for educational purposes only. There is no guarantee that using it, or taking any of the steps it suggests, will stop or delay any action taken by a lender or the courts. It is not legal, financial, or tax advice, and it cannot predict what your lender will do. Rules and deadlines differ by state and by loan type. Legacy Locator Services does not provide legal advice.
Maybe you're not sure where the month went, or you feel a small knot in your stomach when you check your bank account. Take 15 minutes to get answers.
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