1. Homeowners facing foreclosure or an upcoming auction
2. Homeowners behind on mortgage payments
3. Homeowners who can’t afford their current mortgage payment
4. Homeowners confused about where they are in the foreclosure process
5. Owners of vacant or inherited homes
6. Homeowners behind on property taxes or HOA dues
Received a foreclosure or sale notice
Have an auction date coming up
Where you are in the foreclosure process
Are worried about running out of time
Need to understand what still may be possible
Missed one or more payments
Are catching up but still unsure
Don’t know if foreclosure has started
Want to understand what comes next
Payments increased or became unmanageable
Income changed unexpectedly
Feel stuck with a loan that no longer fits
Need clarity before choosing a path
Received letters they don’t understand
Unsure where they are in the timeline
Getting different answers from different sources
Want a clear explanation in plain language
Inherited a home they can’t keep
Moved out and left the home vacant
Falling behind on payments, taxes, or upkeep
Want to avoid surprises or penalties
Owe property taxes
Owe HOA dues or assessments
Didn’t realize these could lead to foreclosure
Need to understand how the process works
If you’re feeling unsure where to start, begin with the basics.

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