Facing foreclosure

Foreclosure is the legal mechanism through which a lender enforces its security interest when the loan is not brought current under the contract and applicable law. Procedures differ materially by state, loan type, and whether a court manages the case.

Not a substitute for legal counsel

Your servicer letters, recorded notices, and any case number on file are authoritative—not articles on the internet. Treat this hub as orientation so you can ask sharper questions of an attorney or housing counselor.

There is no single national timeline. Do not assume every homeowner receives the same sequence of notices or a fixed number of days before a sale.

Next steps

Read the linked guides on steps that may help stop a foreclosure sale, general timeline patterns, and how to spot scams or high-pressure sales. Pair them with licensed advice tailored to your county and loan file.