Free · Private · Written by an ex-bank insider

Your FREE guide with options the lender won't tell you!

Know your rights. Get your FREE guide with the options to save your house and fight back — written by a former bank loss-mitigation manager.

Custom to your situationNo credit checkNo pushy calls

Steve M. — former loss-mitigation manager at two of America's largest mortgage servicers. He wrote the guide.

Help with loans from every major servicer

★★★★★"Foreclosure date three weeks out. They stopped the auction and I kept my equity." — Maria T., Fort Worth ★★★★★"Daniel answered his phone on a Sunday night." — Gloria H., Houston ★★★★★"Quiet and done, exactly what we needed." — Danielle L., Phoenix ★★★★★"I just signed and exhaled." — Marcus J., Atlanta ★★★★★"They handled the attorney, the cleanout, everything." — Robert K., Tulsa ★★★★★"Treated us with respect and showed us the math." — Pete & Brenda B., Tampa

Not affiliated with any lender.

If this feels familiar, you're not alone

It seems like the bank is setting all the rules.

The phone rings — and you already know who it is.

The mail has become something you'd rather not open.

It feels like the clock is ticking and the bank holds all the cards.

You haven't told anyone, because you're worried they'll judge you.

You haven't done anything wrong. Job loss, illness, divorce, a death in the family — it happens to good people every day. But when nobody acts, the bank decides.

What's happening to you right now

The bank follows a strict timeline. You have rights on it.

Every letter has a legal name — and a deadline behind it.

Days 1–45

Early intervention

Loss mitigation notices you're required to get.

Up to day 120

The 120-Day Rule

Federal law generally bars a foreclosure filing before 120 days.

Breach letter

Right to cure

Miss the cure date and the full loan can be called due.

Filing

Court or county

Judicial or non-judicial — your state sets the speed.

Sale date

Notice of sale

Some deadlines count backwards from this date.

Where are you on this timeline — and what can you still do? Your guide shows you.Get My Free Guide →

Source: CFPB, Regulation X (12 CFR 1024.39, 1024.41). Timelines vary by state and loan.

Your options, compared

Every path has a trap. Know it before you start.

Path	What it can do	The hidden risk
Loan modification	May keep the homeNew, permanent loan terms.	Missteps can let the foreclosure keep moving— while you think you're protected.
Short sale	Softer on credit than foreclosureWhen you owe more than it's worth.	You may still owe the leftover balance— and forgiven debt can be taxed.
Reinstatement / forbearance	Pauses the crisisCatch up, or pay less for a while.	Fine print catches people off guard— like a lump sum due later.
Sell before the auction	Stops the sale, protects your equityCash in hand, on your timeline.	Low risk when done right— avoid predatory "investors" (see below).

PrivateHomeowner strategy guide

What the Bank Won't Tell You

Your options to stop the sale, protect your equity and fight back — decoded by a former bank insider.

NHSCustom-built for
your situation

Your safe first step

A decoder for the bank's letters.

The written request that legally requires your servicer to respond — on the record.
The breach-letter mistake that quietly costs homeowners their rights.
How to put free HUD-approved help on your side — even after a "no".
The federal deadline that can buy you breathing room.

Get My Free Guide →

Read it privately from your couch. No credit check, nothing to sign. Why free? We know you'll tell your friends and family about us. We're that confident.

A National Home Support team member reviewing a homeowner's file

Real people. Real team.

Someone who sat on the bank's side — now on yours.

Steve spent years inside major mortgage servicers' loss-mitigation departments. Our team knows how the bank's side works — and uses it for you.

How we're paid, plainly: the guide and the call are free. If you choose to sell your house to us, we're paid from that sale — never upfront.

Get My Free Guide →Or call or text: (682) 610-0007

Watch out for scams

Predatory "investors" vs. us

Walk away if they…

Ask for money upfront.
Want the deed before you're paid.
Tell you to stop talking to your lender.
Can't show proof of funds.
Pressure you to sign today.

What we do

$0 upfront. Ever.
Close at a licensed title company.
Keep you in touch with your lender.
A written offer — no last-minute surprises.
You set the pace.

Straight answers

Questions homeowners ask most

How long does foreclosure take?

It depends on your state. In most cases your servicer can't start the process until you're more than 120 days behind. After that, states that don't use the courts (non-judicial) can reach a sale in a few months, while court-based (judicial) states usually take longer. See the full timeline.

Can I stop a foreclosure sale that's already scheduled?

Sometimes. A complete loss-mitigation application received more than 37 days before the sale generally must be reviewed before the sale. Reinstatement, selling the home, or a bankruptcy filing with an attorney can also stop or postpone a sale. Read more.

Will my lender work with me?

Many will. Repayment plans, forbearance and modifications are common, and FHA, VA, USDA, Fannie Mae and Freddie Mac loans have set programs. Approval depends on your income, your hardship and your loan — and a complete, organized application is the biggest factor you control.

How does foreclosure affect my credit?

A completed foreclosure can stay on your credit report for up to seven years. Options like a modification, short sale or selling first usually do less damage. See the credit impact of each option.

Should I talk to a HUD-approved housing counselor?

Yes, it's a good idea — they're free. Call 1-800-569-4287 or search at hud.gov. We'll happily point you there on our call if it's the better fit.

Is the consultation really free? What's the catch?

It's free with no obligation, and we never charge homeowners upfront. We're paid only if you later choose to sell to us or use our recovery service — both your decision, both paid from the transaction.

What if my home was already sold at auction?

You may be owed surplus funds if the sale brought in more than the debt. Deadlines apply. Check if money is being held in your name.

60 seconds · Free · Private

Options close one by one. Check yours today.

Your custom guide is built from your answers — not a one-size-fits-all checklist.

Get My Free Guide → Prefer to talk? Call or text (682) 610-0007

Sources: HUD · CFPB mortgage help · CFPB loss-mitigation review · Reg X, 12 CFR 1024.41 · FTC · FDIC · Urban Institute NFMC evaluation · Urban Institute housing finance · NCLC · NFCC · Harvard JCHS · U.S. Courts · Free HUD-approved counseling: 1-800-569-4287. General information, not legal advice. Foreclosure notice · Stop an auction · Loan modification · Short sale · Timeline · Scams · All guides

IMPORTANT NOTICE: National Home Support is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. We are not a law firm and do not provide legal advice. We never charge homeowners upfront fees.