Behind on payments or facing foreclosure?
Falling behind happens to good people: job loss, medical bills, divorce, a payment that went up. What matters now is time, and knowing your options.
How foreclosure works here
In South Carolina, foreclosure goes through the courts. In North Carolina, most foreclosures use a power-of-sale process handled by the county clerk of superior court, which can move faster. Either way, there are deadlines, and acting early gives you more choices.
Free help: HUD-approved housing counselors, 1-800-569-4287.
Your options may include
Catch up with your lender
Reinstatement or a repayment plan.
Change the loan
Modification or forbearance.
Sell before the sale date
Keep your equity and avoid a completed foreclosure on your record.
Get a roadmap
A step-by-step plan with your deadlines.
Related guides
Guides are on the way.