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Your bank has a team working against you right now. We're the insiders who used to run it.

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Real Families. Real Outcomes.

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Verified Client Story

Auction Monday. Called Friday.
Still In His Home Today.

Alfredo H. had 72 hours. His bank told him there was nothing they could do. He found National Home Support on a Saturday.

Alfredo's Story — In His Own Words
Video coming soon

“I called on a Friday. My auction was Monday. Daniel picked up on the first ring and by Sunday night the sale was postponed. I still live in my home today.”

A
Alfredo H.
Homeowner — Texas
★★★★★
Friday
Auction 72 hours away. Bank said it’s too late.
Alfredo had been calling his servicer for weeks. Every rep told him the modification was “in review.” Then he got the sale notice. The bank said nothing could be done this close to auction.
Saturday
Called National Home Support. Daniel answered.
Within hours NHS had contacted the servicer’s internal foreclosure department directly — not the customer service line. A department Alfredo had no way to reach on his own.
Sunday
Auction postponed. Alfredo still in his home.
Written postponement confirmed before Monday morning. Alfredo’s family never had to leave. His modification was then processed through the correct channel — at no cost to him.
72hrs
Hours to auction when he called
$0
Cost to Alfredo — ever
48hrs
Time to written postponement
Get Your Case Reviewed — Free

Available 24/7  ·  No obligation  ·  Daniel answers personally

Why We Are Different
Steve M., Owner and Founder of National Home Support
Steve M.
Owner & Founder — Former Bank Loss Mitigation Manager
Chase — 8 YearsWells Fargo — 5 Years1,800+ Auctions Stopped

27 Years as a Bank Loss Mitigation Specialist.
Now on Your Team.

I spent 27 years making the decisions that kept families in their homes — or didn't. Now I know exactly how to fight back. And I use that knowledge for you.

Steve used to be the person banks called when families were in trouble. He ran loss mitigation at Chase and Wells Fargo. He knew the deadlines, the escalation paths, the language that actually moves things. He watched good people lose their homes because they didn't understand the system — or didn't know they had options.

At some point, it got hard to sleep.

Today, National Home Support is a real family operation. Steve leads the fight alongside his daughter Rachel — a foreclosure prevention specialist who grew up hearing his stories from the other side of the table. They work with Daniel, Sofia, and a small team of specialists, all trained inside those same bank systems we used to protect. Now we use that insider knowledge to fight for families instead of against them.You get access to that insider playbook — and it costs you nothing.

Family-owned since 1999. When you call, you reach a real person who knows your situation. Not a script. Not a bot. Someone who gets it — because they've lived it.

✓ No Credit Check ✓ 100% Free — Always ✓ No Monthly Charges ✓ No Hidden Costs ✓ No Cost to You
The Real Cost Nobody Talks About

Your Credit Is Worth
More Than Your Cash.
Foreclosure Destroys Both.

Losing a home isn't just about losing a house. It's about what happens to the rest of your financial life for the next decade.

7 yrs
A foreclosure stays on your credit report — mandatory, no exceptions
100–150
Points your credit score drops from a single missed mortgage payment
90%
Of rental landlords in major markets run credit checks and decline foreclosures
3–7 yrs
Wait to buy another home after foreclosure — even with perfect credit after
You won't be able to rent in most cities. Background checks flag foreclosure automatically. In markets like Dallas, Tampa, and Atlanta, over 90% of units require credit above 620.
Your employer may see it. Jobs requiring financial responsibility or security clearances run credit checks. A foreclosure can cost you a job offer years later.
An unexpected IRS bill. If the bank forgives a deficiency balance, the IRS may treat it as taxable income. A $60,000 forgiven debt can generate a $14,000+ tax bill in January.
Car loans, credit cards, insurance — all affected. Auto loan rates jump to 18–24%. Credit cards drop to $500 limits. Even car insurance goes up.
What Actually Happens After Foreclosure — Real Timeline
MR
Composite of 40+ Real Cases
Had a home, a car, decent credit — before the auction
Auction Day
Home sold. Credit score falls 140–160 points overnight. Receives eviction notice within 3–14 days depending on state.
Week 2
Apartment applications rejected. Applied to 6 units — rejected by all. Two offered a room with a $4,000 deposit. "High risk tenant" on every check.
Month 2
Bank sues for deficiency judgment. Home sold for $47,000 less than balance owed. Collections calls start. Wage garnishment threatened.
January
IRS Form 1099-C arrives. Forgiven debt treated as $47,000 in taxable income. Unexpected tax bill of $11,280. No savings to cover it.
Year 3
Still renting from family member. Auto loan at 22% APR. Credit cards capped at $300. Cannot qualify for a new mortgage for 4 more years.
This is still preventable
Every step in this timeline
stops the moment you call.
Free · No obligation · Daniel answers personally
I'm Ready To Save My Credit!
Available 24/7 · 1,800+ auctions stopped · Industry Compliant
The Foreclosure Timeline

Where Are You Right Now?

Your options change dramatically at every stage. Tap the card that matches your situation.

👇 Tap the card that matches where you are right now
1
Options Open
I'm Behind on Payments
30–90 days late. Letters arriving. Catching up feels impossible.
Options:
2
Narrowing Fast
I Got a Legal Notice
Notice of Default arrived. Papers look scary. I don't know what they mean.
Options:
3
URGENT — Act Now
I Have an Auction Date
A sale date is set. The clock is visible. I'm running out of time.
Options:
4
Call Before Anything
My House Already Sold
The auction happened. I thought it was over. I didn't know who to call.
Options:
"You've heard it — the house always wins. In foreclosure, the bank is the house."

They don't care that you're a single parent working two jobs, or that a medical bill blindsided you. They have a legal team and deadlines engineered to move faster than you can react. Waiting for them to help you is the most expensive mistake homeowners make. We know their system from the inside — and we use it against them.

Common Situation

Your Loan Modification
Was Denied. Now What?

Being denied once — or even twice — doesn’t mean it’s over. The approval rate for modifications submitted directly by homeowners is below 30%. Not because you don’t qualify. Because the submission itself is wrong.

Why banks deny most homeowner-submitted modifications
Banks use an internal Net Present Value (NPV) test. Your submission needs specific hardship language, income documentation in a precise format, and a supporting narrative — none of which the bank’s application instructions mention.
How NHS submissions are different
A submission from National Home Support goes into a different internal review queue — one reviewed by someone with actual modification authority, not a front-line processor. We know who to reach because we used to be them.
We’ve gotten approvals for homeowners denied twice
A denial is not a final answer. You have the right to appeal, and a resubmission structured correctly by someone with servicer relationships routinely produces different outcomes. Call us before you give up.
Appeal My Denial — Free

Free case review  ·  No obligation  ·  Same-day response

Modification Denial Reality
70%+
of homeowner-submitted modifications are denied on first application
2×
denied homeowners we’ve gotten approved on resubmission through servicer channels
$0
cost to you if we secure your modification — always free to homeowners

Important: A denial resets your modification clock but does not stop the foreclosure timeline. Every day you wait after a denial is a day closer to auction. Call immediately after a denial — do not wait to “figure it out.”

Most believe the auction gavel ends the story. In certain situations there are post-sale options your bank has no interest in you knowing about. Call before you do anything else — the next 48 hours may still matter.

Talk to Our Asset Recovery Specialist — Free
Statutory Redemption Window
Select states allow reclaiming property after auction. Most homeowners are never told this exists.
Deficiency Judgment Defense
If the sale was short, the bank may sue for the difference. Defenses exist — but only if pursued now.
Equity Recovery Strategies
Equity built before auction may still be partially recovered through channels banks never advertise.

Common Questions

Straight answers from a 27-year bank loss mitigation insider — no jargon, no runaround.

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Call Free
Urgent Situations & Sale Dates
For homeowners facing imminent auctions or post-sale questions
3 questions
Do not decide it's too late before you speak with a specialist. Our team has stopped foreclosure sales with as little as 48 hours remaining — not through luck, but through direct contacts inside major servicers' foreclosure departments that the public cannot reach.

Standard channels — your bank's 1-800 line, a general attorney, HUD counselors — cannot move fast enough in this window. The people with authority to issue a postponement order are in a completely separate internal department and do not take calls from homeowners.

We have relationships built over 13 years inside Chase, Wells Fargo, Bank of America, and other major servicers. When there are 48–72 hours left, those relationships are the only thing that matters.

Call (682) 610-0007 right now. Every hour counts.
No. This is the single most dangerous misconception we encounter. Your bank's loss mitigation department and its foreclosure legal department are two completely separate teams that do not communicate. Dual tracking — running both a modification review and a foreclosure simultaneously — is standard bank practice.

The customer service rep telling you things look good has no visibility into the foreclosure legal timeline. We have personally witnessed homeowners receive "your modification is progressing well" calls the same week their home sold at auction.

Unless you have a signed, written Rescission of Notice of Default from the foreclosure department — not verbal confirmation, not a customer service email — your auction clock has not stopped.

Call us to verify in 15 minutes. It could save your home.
In certain situations — yes. Most homeowners believe the auction gavel ends everything. It does not always.

Statutory Redemption: Many states allow homeowners to reclaim their property after the auction by paying the sale price within a set window. Most homeowners are never told this exists.

Deficiency Judgment Defense: If your home sold for less than you owed, the bank may sue for the difference. Legal defenses exist — but only if pursued quickly before the bank files.

Wrongful Foreclosure Claims: If your servicer violated RESPA or CFPB dual-tracking rules during the process, post-sale remedies may exist.

Do not vacate. Do not sign anything. Do not accept any offer from the buyer. Call us within 48 hours of the sale.
Understanding the Foreclosure Process
Timelines, notices, and what your bank is actually doing
3 questions
The timeline varies by state but follows a predictable sequence:

Days 1–120 — Missed Payments: Default notices arrive. Bank attorney fees begin compounding at $150–$250 per day. Your loan is quietly referred to a foreclosure law firm — while customer service continues sounding helpful.

Day 121+ — Notice of Default: The bank accelerates your loan — you now owe the entire remaining balance immediately, not just missed payments. A public notice is filed. Typically 90–120 days before auction.

30–45 Days Before Auction — Notice of Sale: A sale date is posted publicly. Once posted, 99% of loan modifications are denied outright. Most earlier options are now gone.

Sale Date: The home is auctioned. Post-sale options vary by state.

The earlier you act, the more options remain. Call us at any stage and we'll tell you honestly where you stand.
Through direct access to bank departments the public cannot reach. This is not a marketing claim — it is a structural fact about how major mortgage servicers operate.

Our founder Steve M. spent years as a Loss Mitigation Manager at Chase and Wells Fargo. He knows the internal decision-makers with authority to issue postponement orders — and the channels those orders actually flow through.

When you call a bank's 1-800 number, you reach customer service with zero authority over foreclosure timelines. When we contact a servicer on your behalf, we reach the internal department that does.

With 30+ days before sale: we may negotiate a modification, forbearance, or structured sale. With fewer than 7 days: we work the emergency postponement channel. We've done it with 48 hours left — but earlier is always better.
A Notice of Default is serious — but it's also the stage with the most options still available. Here's what to do right now:

1. Do not ignore it. The clock runs whether you engage or not. Most states require 90–120 days between a NOD and the auction — that time disappears faster than you expect.

2. Do not rely solely on your bank. Their loss mitigation team has no authority to stop the foreclosure legal timeline.

3. Document everything. Write down the date, time, and name of every call. Save every piece of mail. Written correspondence has legal significance that verbal conversations do not.

4. Call us before you call your bank back. Knowing what you're entitled to — and what not to say — significantly changes outcomes. Free 15-minute call: (682) 610-0007
Your Options & Alternatives
Modifications, bankruptcy, short sales, and walking away
3 questions
Loan Modification — A permanent change to your loan terms (lower rate, extended term, reduced principal). Does NOT stop an active foreclosure timeline unless you receive written confirmation from the foreclosure department specifically — not loss mitigation.

Forbearance — A temporary pause or reduction of payments (3–12 months). Missed payments are added to the end of your loan. Must be agreed to in writing before your sale date — verbal agreements have no legal force.

Short Sale — You sell for less than you owe, and the bank accepts the proceeds as full payment. Stops foreclosure, keeps the auction off your credit report, and you may walk away with no deficiency judgment. Requires bank pre-approval and proper timing.

Each carries different credit, tax, and legal implications. The right one depends entirely on your situation. Call us: (682) 610-0007
Chapter 13 is a temporary pause — not a solution — and it comes with serious trade-offs.

Filing triggers an Automatic Stay that halts foreclosure. But here's what attorneys often don't fully explain upfront:

• Your monthly payment typically increases — you're now paying the bankruptcy plan on top of your regular mortgage
• The Chapter 13 failure rate within 12 months exceeds 60%
• When dismissed, the bank can reschedule the auction faster than before
• Attorney retainers ($2,000–$4,000) consume resources that could fund better alternatives
• Bankruptcy stays on your credit report for 7–10 years

Chapter 7 does not let you keep the home in most cases. In most situations we see, there are paths that accomplish the same goal without the long-term damage. Call us before signing any bankruptcy paperwork.
Don't rely on it as your only plan. We've worked with dozens of homeowners whose funds arrived a day late, thousands short, or never came at all — while the bank continued advancing without pause.

Reinstatement requires paying every missed payment plus all accrued bank attorney fees — typically $3,000–$8,000 on top of back payments. The exact amount changes daily as fees compound. Banks are also specific about payment method and destination, and they can reject payment for procedural errors even the day before the sale.

Starting a backup plan doesn't mean reinstatement can't happen. It means you're protected either way. A 15-minute call costs nothing.
Cost, Fees & Timeline
What it costs and how fast we can actually move
2 questions
Zero. You will never write us a check — ever.

Our foreclosure intervention services are provided at no cost to you — we know how loss mitigation works and how servicer fees are structured. If we help you keep your home through a modification or forbearance — free. If we help through a structured sale — our fee is covered by the transaction, never by you.

You will never be asked for a retainer, upfront fee, or payment of any kind before, during, or after our work. This is not a bait-and-switch. It is how legitimate loss mitigation consulting works.

The only thing that costs you anything is not calling.
In emergency situations — within 24 to 72 hours. We have issued postponements with 48 hours remaining. It is not common, and we do not recommend letting it reach that point — but we have done it.

In non-emergency situations (30+ days before sale):
• Loan modification review: 30–60 days
• Structured cash sale: 7–14 days
• Forbearance agreement: agreed in writing within days

What slows everything down: waiting, incomplete paperwork, and calling your bank's 1-800 line instead of the people who actually have authority.

What speeds it up: calling us first at (682) 610-0007 with your servicer's name, the date on any notice, and your property address ready.
About National Home Support
Credentials, how we work, and what makes us different
3 questions
Yes. National Home Support is a legitimate, established loss mitigation and distressed property solutions firm based in Fort Worth, Texas, founded in 1999.

Key facts about our operation:

Founder credentials: Steve M. spent over a decade as a Loss Mitigation Manager at Chase and Wells Fargo — working on the bank side of the exact processes we now help homeowners navigate. This is verifiable employment history, not a marketing claim.

Track record: We have stopped more than 1,800 foreclosure auctions and assisted over 4,700 families with pre-foreclosure situations. These are documented case outcomes across 26 years of operation.

Fee structure transparency: We charge homeowners nothing. Our compensation comes through the loss mitigation process or the transaction when applicable. Advance fee schemes for foreclosure assistance are illegal in most states — we have never operated that way.

Affiliations: We operate in compliance with CFPB mortgage servicing guidelines and applicable state foreclosure assistance regulations. You can independently verify legitimate foreclosure assistance resources through HUD's housing counselor directory.

We encourage every homeowner to verify any company they work with — including us. Free verification call: (682) 610-0007
Loss mitigation is the department inside your mortgage servicer responsible for finding alternatives to foreclosure. A loss mitigation specialist — on our side — is someone who knows how that department works from the inside, knows who has decision-making authority, and knows how to structure and present a case for approval.

The distinction matters enormously. A housing counselor can walk you through your options. A bankruptcy attorney can file a stay. But neither has the direct servicer relationships or internal process knowledge that comes from working in bank loss mitigation departments for 13+ years.

When we contact a servicer on your behalf, we're not calling a 1-800 line. We're reaching internal decision-makers through channels built over decades of working on their side of the table.

This is why homeowners who call us after being denied or ignored by their bank often get different outcomes. The answer wasn't different — the channel was. Call us: (682) 610-0007
We are not a law firm and do not provide legal advice — but in most foreclosure situations, what makes the difference is not legal representation. It's servicer access.

Here's the honest comparison:

Foreclosure attorney: Files legal motions, challenges the foreclosure process in court, negotiates from a legal standpoint. Typically costs $2,000–$6,000+ in retainer fees. Best when there are genuine procedural violations to challenge. Cannot speed up the loss mitigation review process inside the bank.

National Home Support: Contacts the servicer's internal loss mitigation and foreclosure departments directly through established channels. Structures and submits modification applications, negotiates forbearance agreements, coordinates pre-foreclosure sales and deed-in-lieu arrangements. Zero cost to homeowners.

When you need an attorney: If there are RESPA violations, wrongful foreclosure grounds, or post-sale legal remedies to pursue. We can refer you to trusted foreclosure attorneys when the situation calls for it.

When you need us: When the goal is to stop the auction, modify the loan, or exit the property on favorable terms — quickly, without upfront costs. (682) 610-0007

Still have questions? Ask ChatGPT about us independently.

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Free NHS™ Resource · No Email Required

Your Free Guide to
Understanding the Process

Written by Steve M. — 27 years inside Chase and Wells Fargo, running the departments that decide your fate. What he wishes every homeowner had before calling their bank.

All 6 of your options — explained in plain English
Loan mod, forbearance, short sale, deed-in-lieu, bankruptcy — what each actually costs you.
The #1 mistake that eliminates most options overnight
Most homeowners make it within the first 72 hours. It's not what you'd expect.
What your bank is legally required to offer — but won't
Programs servicers have zero incentive to mention. Named, real, and yours to use.
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4,700+ homeowners have read this guide before calling us.
Many said it was the first time they truly understood their situation.
⚠ Read This Before You Call Your Bank
📋
NHS™ Your Free Guide to
Understanding the Process
By Steve M. · 27 Yrs Bank Insider

6 options explained plainly — what each one costs, and the mistake that eliminates most of them.

Or speak with a specialist — (682) 610-0007 · Always free
Free · Confidential · Same-Day Response

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