Keep Your House & Stop Foreclosure

Every homeowner’s situation is different.

Below are the most common paths people take when they’re trying to keep their home. Each option is short, simple, and explained in plain English. 

No pressure. No sales pitch. Just clarity.

Option #1: Reinstatement
  • What it is: A one-time lump sum catch-up payment that brings your mortgage current and stops foreclosure immediately.

  • Good for: Homeowners who expect funds soon (tax return, bonus, retirement withdrawal, help from family) and plan to stay long-term.

  • Quick Process: Get exact payoff → send reinstatement → foreclosure stops → resume regular payments.

See how reinstatement works and what you’d need.

Option #2: Loan Modification
  • What it is: Changing the terms of your current mortgage so you can afford the payment.

  • Good for: Homeowners who can afford something, just not the current payment.

  • Quick Process: Apply → show income → bank adjusts payment/interest/term.

See how a loan mod works and if you qualify.

Option #3: Bankruptcy
  • What it is: (Chapter 13) A court-approved repayment plan that stops foreclosure instantly and spreads missed payments over 3–5 years.

  • Good for: Homeowners with steady income but too many debts, missed payments, or aggressive creditors. Also ideal when a sale date is very close.

  • Quick Process: Attorney files → foreclosure pauses immediately → repayment plan set → you stay in the home.
See when bankruptcy actually helps save the home and the difference between Chapter 7 & 13.
Option #4: Creative Financing Solutions
  • What it is: Flexible, case-by-case solutions when the banks say “no.” Can include subject-to, wrap financing, equity partnerships, or payment assistance strategies tailored to your situation.

  • Good for: People with limited income proof, inherited homes, bad credit, or unique situations where traditional routes don’t work.

  • Quick Process: Review the numbers → structure a custom plan → stop foreclosure or stabilize the home → plan replaces the pressure.

Explore creative options designed around your situation.

Ready for Clear Answers and Next Steps?
Whether you want to keep your home or sell it, we walk through every option with you — step by step — so you never feel lost or pressured.

Call or text: 210-570-4787
No obligations. No pressure. Just help.