Authority first
Regulators, agencies, statutes, and courts before summaries.
Sources and methodology
The source is part of the answer.
Material legal, procedural, financial, and program claims are tied to a primary or official source and a visible review date.
24official source recordsSite review: July 24, 2026
Jurisdiction visible
Federal rules do not silently become a state timeline.
Uncertainty labeled
Incomplete state research appears as foundational, not verified.
Consumer Financial Protection Bureau
How to avoid foreclosure
Federal starting point for servicer contact, counseling, and foreclosure timing.
Reviewed July 24, 2026 ↗Consumer Financial Protection Bureau12 CFR § 1024.41, Loss mitigation procedures
Primary federal regulation for key loss-mitigation and foreclosure protections.
Reviewed July 24, 2026 ↗Consumer Financial Protection BureauIf I cannot pay my mortgage, what are my options?
Current plain-language overview of common mortgage-assistance paths.
Reviewed July 24, 2026 ↗Consumer Financial Protection BureauWhat happens after a complete loss-mitigation application?
Explains the significance of a complete application and sale-date timing.
Reviewed July 24, 2026 ↗Consumer Financial Protection BureauFind a housing counselor
Search tool powered by HUD's official counselor list.
Reviewed July 24, 2026 ↗Consumer Financial Protection BureauSubmit a mortgage complaint
Official complaint route for mortgage-servicing problems.
Reviewed July 24, 2026 ↗U.S. Department of Housing and Urban DevelopmentHUD homeownership counseling contact
HUD counselor search and phone assistance.
Reviewed July 24, 2026 ↗Federal Trade CommissionMortgage relief scams
Warning signs, upfront-fee rules, and legitimate-help guidance.
Reviewed July 24, 2026 ↗Federal Housing Finance AgencyLoss mitigation for Fannie Mae and Freddie Mac loans
Current federal overview for Enterprise-backed mortgages.
Reviewed July 24, 2026 ↗Federal Housing Finance AgencyMortgage assistance resources
Servicer guidance and Fannie Mae/Freddie Mac loan-lookup links.
Reviewed July 24, 2026 ↗U.S. Department of Housing and Urban DevelopmentFHA and housing resources
Official FHA contact and counseling resources.
Reviewed July 24, 2026 ↗U.S. Department of Veterans AffairsVA help to avoid foreclosure
Official help for borrowers with VA-guaranteed home loans.
Reviewed July 24, 2026 ↗U.S. Department of Veterans AffairsVA Partial Claim Program
VA announcement dated June 15, 2026. Eligibility is determined through servicers.
Reviewed July 24, 2026 ↗USDA Rural DevelopmentRural Development servicing contact
Official servicing contact for USDA Rural Development borrowers.
Reviewed July 24, 2026 ↗United States CourtsBankruptcy basics
General federal court education. It is not a substitute for legal advice.
Reviewed July 24, 2026 ↗Legal Services CorporationFind civil legal aid
Location-based finder for LSC-funded legal-aid organizations.
Reviewed July 24, 2026 ↗USAGovState consumer protection offices
Official directory for state consumer-protection offices.
Reviewed July 24, 2026 ↗Michigan State Housing Development AuthorityStages of foreclosure in Michigan
State housing authority timeline, sheriff's sale, and redemption overview.
Reviewed July 24, 2026 ↗California CourtsGuide to foreclosures
Official California court self-help overview.
Reviewed July 24, 2026 ↗California Department of JusticeCalifornia Homeowner Bill of Rights
State attorney-general explanation of important homeowner protections.
Reviewed July 24, 2026 ↗New York State Unified Court SystemForeclosure information for homeowners
Official court process, answer resources, and settlement-conference guidance.
Reviewed July 24, 2026 ↗Texas State Law LibraryForeclosure research guide
State law library starting point for Texas foreclosure law and resources.
Reviewed July 24, 2026 ↗Florida LegislatureFlorida Statutes, Chapter 702
Primary statutory source for Florida foreclosure actions.
Reviewed July 24, 2026 ↗North Carolina Judicial BranchForeclosures
Official court overview of power-of-sale and civil foreclosure processes.
Reviewed July 24, 2026 ↗