Stopping a foreclosure depends a lot on your unique financial and housing situation. The options available are also different depending on where you are in the foreclosure process and the state you live in. So get started now since more options are open to you earlier on in the foreclosure process.

Start by talking to an experienced, nonprofit housing counselor from a HUD-approved counseling agency. Due to funding from private and public grants, this service is free to you. A counselor can analyze your financial and mortgage details, identify your foreclosure alternatives, create an action plan and work with you on the best way to talk to your lender.