Select the stage that matches your situation. Each one shows what is typically happening at that point and what options are usually still available.
This tool reflects federal mortgage servicing rules (12 C.F.R. Part 1024) and current investor guidelines from FHA, Fannie Mae, Freddie Mac, VA, and USDA. Those loss mitigation options apply nationwide. Foreclosure procedure, timelines, and redemption rights are set by state law and vary considerably. Always confirm your specific situation with your loan servicer, a HUD-approved housing counselor, or an attorney licensed in your state.
Check your most recent mortgage statement or any letters from your servicer. They will usually state how many days delinquent you are, or whether a Notice of Trustee's Sale has been recorded. If you are still not sure, reach out and I will help you figure it out.
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