You Don't Have to Face Foreclosure Alone.

Your Free 10-Step Homeowner Rescue Checklist

This is the exact checklist our team uses every day to help homeowners protect their home and their equity. It's free, with no strings attached — and our team is standing by to walk through every single step with you, in person, on the phone, or by text. You are never doing this alone.

1. 1

   Know Exactly Where You Stand

   Pinpoint your timeline first — it determines every option available to you: behind on payments with no notice yet, a formal Notice of Default, or a scheduled foreclosure sale date. Share your exact timeline with your advisor immediately so we can prioritize the right resources for your situation.

2. 2

   Gather Your Documents

   Have these ready to move quickly: your most recent mortgage statement and any lender notices, proof of income, recent bank statements, and your original loan documents if available. Our team will help you organize and submit these the moment you're ready.

3. 3

   Understand Your Real Options

   There are more paths than most homeowners realize: reinstatement, forbearance, a repayment plan, loan modification, short sale, deed-in-lieu of foreclosure, or a traditional/expedited sale. Our team walks you through which options actually fit your situation.

4. 4

   Talk to a HUD-Approved Housing Counselor (Always Free)

   We can help schedule this call and join it with you, so you're never navigating it solo. HUD Counseling Hotline: 1-800-569-4287.

   • HUD Housing Counselor Locator
5. 5

   Open the Line With Your Lender

   Silence closes doors — communication keeps them open. Open every piece of mail, ask if a single point of contact has been assigned to your file, keep a written log of every call, and submit any assistance application as one complete package. Our team can speak with your servicer directly on your behalf.

6. 6

   Check for Government & State Relief Programs

   Our team helps confirm which of these currently apply to you and helps you apply.

   • Consumer Financial Protection Bureau
   • Georgia Department of Community Affairs
   • Georgia Mortgage Assistance Program
   • FHA Loss Mitigation
   • VA Loan Servicing & Loss Mitigation
   • USDA Rural Development Loan Assistance
7. 7

   Watch for Foreclosure Rescue Scams

   Never pay an upfront fee to anyone promising to "stop" your foreclosure. Be cautious of pressure to sign documents quickly or to stop talking to your lender. Verify any organization through HUD or the Georgia Attorney General before sharing documents or payment. Our team is always free — if anyone asks you for money upfront, it's a red flag.

8. 8

   Build a Realistic Budget

   A clear, honest budget strengthens every application to your lender. List all household income and essential expenses, and identify what a sustainable modified payment would look like. Bring it into every conversation with your HUD counselor and your advisor.

9. 9

   Weigh Selling as a Strategic Option

   Ask for a no-cost, no-obligation home value estimate and compare your realistic net proceeds against a modification or repayment plan. Selling before a foreclosure sale protects your equity and your credit far more than losing the home at auction.

10. 10

    Partner With a Team That Has Your Back

    Your advisor works alongside you, your HUD counselor, and your lender every step of the way — pursuing every legitimate path to keep your home first, and helping you list and close on your terms if selling becomes the right move.