A foreclosure is the legal process

When you sign a mortgage, the home serves as collateral. If payments stop and you miss multiple months, the lender can move to foreclosure to recover their loss.

Explore how FreshStart Home Company can help you.

Whether you’re behind on payments, dealing with foreclosure, or simply ready for a change, we’ll guide you through every step. Learn more about our flexible programs and find the best path to your fresh start

The 5 main paths available to help you 

·         Reinstate the Loan

·         Loan Modification

·         Bankruptcy-Chapter 13

·         Sell Your Home-Cash

·         Subject To-Creative Financing

Reinstate the Loan

If you’re able to pay the full amount you’re behind on (including late fees and legal costs), you can bring your mortgage current and stop the foreclosure process. This is often the fastest and cleanest solution

Loan Modification

A loan modification adjusts your mortgage terms to make payments more affordable, like extending your loan term or reducing your interest rate. It typically takes around 45 days to complete, so if you still have time and haven’t explored this yet, it’s worth considering.

Bankruptcy-Chapter 13

Filing for Chapter-13 bankruptcy can legally pause the foreclosure process. This gives you time to restructure debts and catch up. However, this option should be approached with caution. n many cases, if you don’t qualify for a loan modification, you may not succeed with Chapter 13.

Sell Your Home-Cash

If keeping your home is no longer an option, selling before the auction may be the smartest and most respectful way to exit.

Subject To (Creative Financing)

This option may allow you to avoid foreclosure while still preserving a portion of your home’s equity—even if you don’t have the time or means to sell traditionally.

you don’t have to lose your home

We’re here to guide you step by step.

If you’re behind on payments or received a foreclosure notice, time is critical — but there are still options available.

Our experienced team can help you

·         Understand your lender’s process

·         Explore mortgage relief or refinancing options

·         Sell your property before auction

·         Protect your credit and your future