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Our company strictly works with individuals who are facing foreclosure and are behind on their mortgage payments.

Professional Mortgage Help From Foreclosure Light Network

You lose your job, become ill, or simply fall behind on your mortgage payments. Unfortunately, according to your lender these aren’t typically valid reasons to miss mortgage payments. Although you’re in a precarious situation, there are still steps you can take to avoid foreclosure of your home. Before discussing your steps, here’s the one thing you need to know: you should never hide from your lender. This may seem like the easiest thing to do, but it will eventually end with you losing your home. Communication with your lender is key and the specialists in Foreclosure Light’s network can help you do that.

Stopping foreclosure is easier said than done, but there are several strategies that put you in a better position. There are a number of ways you can stop foreclosure, but not all of them will allow you to keep your home forever.


  • Refinance
  • Forbearance Plan
  • Loan Modification
  • Bankruptcy
  • Short Sale
  • Deed in Lieu of Foreclosure

To stop foreclosure fast, you should consult with a mortgage specialist at Foreclosure Light and get the most accurate picture of your unique case possible.
Call us today at 800-234-7003

How It Works

1 Consultation

Let’s talk! We’ll find out important information about your specific foreclosure circumstances. You will then be offered help from the correct mortgage specialist who can provide you the best solution.

2 Detailed Plan

The professional mortgage specialists in our network will conduct a detailed review of your situation to help resolve your specific foreclosure problem, and, if necessary, contact the lenders or banks on your behalf as quickly as possible.

3 Results

The foreclosure specialist will communicate with your lenders on your behalf to try to reach a settlement that’s within your financial means. Whether you are looking to keep your home or not, they can help.

Ways to Stop Foreclosure

No homeowner wants to face foreclosure, but it’s good to know that there are steps you can take to save your home. The specialists in our network can help you choose the right strategy. If you follow the advice of these professionals, it won’t be long before you can forget about delinquency notices and notices of default and start making on-time payments once again.



We will negotiate with your lender. This is actually the best thing to do. As noted above, you don’t want to hide from your lender. Instead, you want to show your mortgage company that you’re interested in doing whatever it takes to save your home and set things straight again. Your lender is not in the business of owning homes, as they are in the business of servicing home loans. They don’t want to foreclose on your property. They would much rather work out a deal that is mutually beneficial.


Forbearance Plan

Working with a mortgage specialist can help convince your lender to place you into a forbearance plan that can reduce or even suspend your payments for a set amount of time. This can give you enough time to regain your financial footing. A forbearance option is often combined with a reinstatement when you know you can bring your account current at a specific time. Lenders are most likely to agree to this option if it can be proven that your financial situation will change soon, such as if you recently found a new job after a period of unemployment. Any forbearance agreement entered into on your behalf will be in writing from your lender, but you will have to be sure that you can meet your financial obligations under the new plan before accepting it.


Loan Modification

You will be asked about your ability to make future mortgage payments if the terms of your loan were different. If so, your lender will be contacted on your behalf in an effort to get a loan modification. As the name suggests, your lender will be asked to alter the terms and conditions of your mortgage loan, so you can afford to make timely future payments. For example, the lender may agree to a longer term as a means of lowering your monthly payment amount. Or maybe, the lender will allow you to add the missed payment balance into your principle loan amount, giving you a fresh start.
Loan modifications may include:

  • Add the missed payments to the existing loan balance
  • Change the interest rate, including making an adjustable rate into a fixed rate
  • Extend the number of years you have to repay
  • Make a partial claim against your mortgage insurer if you have mortgage insurance



In some situations, bankruptcy may be recommended as your best option, particularly filing under Chapter 13, as it could save your home from foreclosure. Once a bankruptcy petition is filed, an automatic stay is created by operation of law. This stay requires your lender to stop the foreclosure process until the stay is lifted. If bankruptcy is necessary, you will be helped by or referred to an attorney who will advise you on which type of bankruptcy – Chapter 7 or Chapter 13 – is best for you.


Short sale (AKA pre-foreclosure sale)

If you truly cannot afford your mortgage, selling your property prior to the foreclosure sale may be your best option to avoid a foreclosure. A short sale requires a negotiation with your lender to make sure there is the smallest possible deficiency balance (i.e. the difference between the sale price and the amount owed on your loan) as a result of the short sale. This may not be something you want to do, since it means you are losing your home, but most people agree that it is better than foreclosure, although both paths will likely hurt your credit score. With a short sale, the lender agrees to allow you to sell your home for less than what you owe the lender.


Deed in Lieu of Foreclosure

It is a last option for most, but when there is no other way out a deed in lieu of foreclosure can be a choice. A deed in lieu of foreclosure is essentially you signing over the deed to your house to the lender, instead of the lender selling it at a foreclosure sale, which is typically an auction on the court house steps. This choice obviously involves you losing your home, but there can be benefits to this option over a traditional foreclosure sale. A specialist from the Foreclosure Light network can help ensure that the lender buys your property for fair market value.