Build your foreclosure decision file
Understand where to start, what information to gather, and how to find help for the state where your property is located. Our national resource guide separates mortgage questions, legal questions, and the practical decision of whether to sell.
Start with the property, not your mailing address
Write down the state and county of the property, the name on the loan statement, and the title of every notice. An owner may live in another state or be helping a relative. Keep those roles distinct when asking for help. This prevents a useful general conversation from being mistaken for advice about the wrong jurisdiction.
Keep three conversations separate
Your mortgage servicer handles the loan account and requests for mortgage assistance. A qualified housing counselor can help organize that discussion. An attorney can address legal notices and rights. A property buyer can discuss a purchase. Before giving anyone documents, ask which role they perform and which decisions they cannot make for you.
Compare written paths on one sheet
Create columns for keeping the property, listing it for sale, and discussing a direct purchase. For each, record the person responsible, documents requested, unanswered questions, proposed timing, and any quoted costs. Leave unknown figures blank. A preliminary conversation is not an approved loan arrangement, accepted purchase contract, or confirmation that a sale has been postponed.
Record the next action you can verify
Keep a dated contact log with the organization, phone number obtained independently, person spoken to, and promised follow-up. Save copies of documents and confirmations. Your next step should name an action and a responsible person: send a requested statement, obtain a written quote, or arrange qualified advice. Check the current status of any notice through the appropriate official source.
Public resources
- CFPB: getting started when mortgage payments are difficult
- Find a HUD-approved housing counselor by location
- CFPB: recognize mortgage-relief scams
Information for homeowners across the United States. Property-purchase discussions are limited to King, Snohomish, Pierce, Skagit, Whatcom, and Island counties in Washington. Washington Home Solutions LLC operates this website as a cash home buyer. We are not a law firm, mortgage servicer, or HUD-approved housing counseling agency. A conversation with us does not change a legal deadline or the status of a foreclosure.