Clear answers to common mortgage and foreclosure questions. Explore the topics below, then decide what next step makes sense for you — without pressure or fees.
Choose the question closest to your situation. Each topic links to a more detailed HRP guide or tool.
Start by reviewing your most recent mortgage statement and contacting your mortgage servicer. Ask what amount is past due, whether late charges apply, and what assistance or repayment options are available. Keep a record of each call and any documents requested.
Read the behind-on-payments guide →A recorded Notice of Trustee’s Sale is an important warning, not something to ignore. Read the notice carefully, confirm the sale date and trustee contact information, and seek qualified Arizona legal or housing counseling advice promptly. Deadlines and available options depend on your circumstances.
Read the trustee sale guide →These options work differently. A loan modification may change loan terms; forbearance generally allows a temporary payment reduction or pause; a repayment plan spreads missed payments over time. Ask your servicer what you qualify for, how repayment works, and what happens when the temporary arrangement ends.
Compare your options →Medical expenses, reduced hours, and other unexpected costs can make it difficult to keep up. Gather a simple household budget, proof of income, mortgage statements, and a short explanation of what changed. That information can help when discussing possible assistance with your servicer or a housing counselor.
Use the free tools →Be cautious of anyone promising to stop foreclosure, pressuring you to sign immediately, asking you to stop communicating with your servicer, or requesting payment for services that should be free. Verify organizations independently and read documents before signing.
Learn how to spot scams →If you are considering selling, start with an estimate of the property’s market value and compare it with your mortgage payoff, other liens, and estimated selling costs. You may have several ways to sell; the right choice depends on timing, condition, costs, and your goals. You should never feel pressured to sell.
Explore keeping or selling →Ask for the exact amount needed to bring the loan current, available loss-mitigation programs, application requirements, deadlines, and whether an active application affects a scheduled sale. Request written confirmation where possible and note the representative’s name and date.
Get the call log and checklist →You do not have to choose an option before you understand the situation. Identify whether you are behind on payments, have received a recorded notice, have an approaching sale date, or are dealing with a completed sale. Then review the stage-specific guide and consider independent professional advice.
Find your stage →We share homeowner education on Facebook and Instagram. For detailed guides, forms, and next steps, use the resources on this website.