Speak with your mortgage servicer promptly
If you are having difficulty making payments, contact the company that services your mortgage to ask about the options available for your loan. Keep copies of notices and communications. A discussion with a home buyer does not suspend lender deadlines or stop a foreclosure process.
Use independent housing support
A HUD-approved housing counselor can help you understand questions to ask your servicer. You can find official information at consumerfinance.gov and hud.gov. For legal rights, court notices, or deadlines, speak with a qualified attorney or local legal aid service.
Understand what a sale would need to resolve
Ask your closing professional about payoff information, liens, title, and the amount that would remain after costs. If the proposed sale price may not cover what is owed, discuss that with the lender and qualified advisers before accepting terms.
Do not treat an offer as a completed solution
A sale is only complete when the required parties can proceed and closing occurs. Ask a buyer about conditions and the realistic schedule. KC Fair Offer can review a property for a potential purchase, but cannot promise to stop foreclosure or resolve a loan.
Official resources: Consumer Financial Protection Bureau and HUD housing counseling.
Request my cash offer ↗