Prevent Foreclosure With The Right Information & Proven Options
You have more control than you think. Before the bank schedules an auction, explore every path available to protect your home, your credit, and your peace of mind.
When life hits hard—job loss, medical bills, increased mortgage payments—most homeowners don’t realize how many pre-foreclosure prevention options exist.
The earlier you take action, the more solutions we can help you access.
Waiting until the auction date reduces your choices and increases stress.
- Avoid long-term credit damage
- Stop the auction process
- Protect your equity
- Lower your monthly payment
- Prevent legal fees and added penalties
Your Prevention Options (Explained in Plain English)
1. Loan Modification
Allowing you to repay the loan on newly agreed upon terms, which may include a change in interest rate, placing past due amounts at the end of the loan, and/or extending the term of the loan.
How it helps:
Extends your loan
Reduces monthly payment
May lower the interest rate
Prevents foreclosure completely
2. Forbearance
Forbearance allows you to suspend payments or make reduced payments for a specified length of time. At the end of the Forbearance agreement, you are responsible for paying the total past due amount or requesting further mortgage assistance.
Great for:
Job loss
Temporary income reduction
Medical emergencies
3. Reinstatement
If finances improve, you may be able to bring the loan current in one lump sum and stop foreclosure immediately.
We help negotiate…
Fees
Penalties
Additional legal charges
4. Selling Before Foreclosure (Keep Your Equity)
If staying in the home is no longer realistic, selling before auction can prevent foreclosure from hitting your credit.
Options:
Sell on the open market
Cash sale for speed
Sell with existing liens
Sell if behind on payments
Sell with tenants or repairs needed
5. Short Sale Assistance
If you owe more than the home is worth, your lender may approve a short sale to avoid foreclosure.
Benefits:
Reduced credit damage
Avoids foreclosure judgment
Stops auction dates
No out-of-pocket costs
6. Repayment Plan
A temporary agreement to reinstate a loan that is delinquent by paying the normal monthly payments, plus a portion of the past due amount each month for a fixed time period.
Benefits:
Stops auction dates
7. Deed-In-Lieu of Foreclosure
A last-resort alternative where you voluntarily return the property to the lender to avoid the auction process.
Benefits:
Ends foreclosure
May waive deficiency balance
Stops future fees and legal action
Get Peace of Mind in 15 Minutes
Speak with a Georgia foreclosure specialist who can walk you through all your options based on your exact loan status.
What You’ll Get:
Where you are in the foreclosure timeline
Which options you still qualify for
What steps to take this week
How to stop the auction (if one is set)
FAQ
❓ Can I stop a foreclosure even if I’m more than 90 days behind?
Yes. Options like modification, repayment plans, and cash sale solutions are still available.
❓ Will the bank work with me if my income went down?
Yes — temporary hardship is one of the top reasons banks approve adjustments.
❓ How long does it take before my home goes to auction in Georgia?
Georgia is a non-judicial state. Homes can go to auction faster than many expect. The earlier you act, the better.
❓ Can you help if I’ve already received a Notice of Default or Auction Date?
Absolutely. Time-sensitive options still exist depending on your lender.
❓ Does Property Jet charge for consultations?
Never. Our goal is to educate and provide options — not pressure.
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