For homeowners behind on mortgage payments

Received a Notice of Default or Notice of Sale?

You may still have options. Home Default Help helps homeowners understand general real estate paths before the situation becomes more urgent.

Choose Your State

Start by Selecting Your State

Select your state below. If your state page is active, you will be taken to the correct local Home Default Help page.

Current active state pages: Nevada and Washington. Additional states may be added later.

You May Have More Options Than You Think

A foreclosure-related notice can feel overwhelming. The first step is understanding whether your goal is to keep the home, sell the home, protect equity, or simply understand what comes next.

Important: Home Default Help is not your lender, loan servicer, a government agency, law firm, loan-modification company, foreclosure consultant, housing counselor, or document preparation service. We do not provide legal, tax, mortgage, credit, or financial advice. We help homeowners understand general real estate options and appropriate next steps.

If You Want to Keep the Home

You may need to contact your loan servicer, a HUD-approved housing counselor, or a qualified attorney in your state.

If You Are Considering Selling

Depending on your equity, loan balance, timeline, and property condition, sale options may be available.

If You Are Not Sure Yet

A private options review can help you sort through general next steps without pressure or obligation.

Start With Your State.

Select your state to be connected to the correct Home Default Help page and phone number.

Select State