When mortgage payments
become difficult.
You may be worried about what happens next. Start with the facts, keep track of deadlines, and ask for help early.
A place to start today.
You don’t have to be ready to sell to contact me. We’ll start with what’s happening, what you’ve received, and what you hope to do. Together, we’ll work through the options that may be available and identify your next steps. When you need assistance from your servicer, a housing counselor, or another professional, I’ll help you understand who to contact and what to ask.
Compare possible options →Contact your mortgage servicer
Use the phone number on your mortgage statement. Explain the hardship and ask about available mortgage assistance and application requirements.
Open and organize your mail
Keep mortgage statements, notices, payment records, and written communications together. Note every stated deadline and any scheduled sale date.
Speak with a housing counselor
A HUD-approved housing counselor can help you understand mortgage assistance options. Foreclosure counseling through HUD-participating agencies is free.
Talk with me about your situation
Whether your goal is to keep your home, explore a sale, or understand where to begin, reach out. We’ll talk through your questions, priorities, and next steps, including connecting with the professionals who handle mortgage assistance or legal matters.
Guidance for the
real estate side.
You can contact me whether or not you want to sell. I’ll listen, help you organize your questions, and work through the options with you. As a REALTOR® and Associate Broker, my professional role is to help you understand the real estate side of your situation.
If selling becomes the best path, I can help you determine whether a traditional sale may work, evaluate your estimated equity, or help you pursue a short sale when appropriate.
When something falls outside of my role, I’ll tell you. Depending on your situation, that may mean speaking with your mortgage servicer, a HUD-approved housing counselor, an attorney, tax professional, or another qualified professional.
My goal isn’t to convince you to sell your home. My goal is to help you make an informed decision about what comes next.
Questions you may be asking.
How much time do I have?
That depends on where you are in the process, your loan, and the notices you’ve received. I don’t want you relying on a general timeline that may not fit your situation. Reach out so we can discuss what you’ve received and your next steps. If you have a sale date or legal notice, contact your servicer and a qualified Alabama attorney promptly to confirm deadlines and your legal options. A conversation or application does not automatically pause a foreclosure.
CFPB: Understanding foreclosure timing ↗What’s a short sale?
A short sale is when your lender or servicer agrees to a sale that brings in less than the remaining mortgage balance. It requires approval and means selling and moving out of your home. The word “short” refers to the amount owed, not how quickly the sale will happen. We can discuss whether it may be appropriate, and you’ll want legal and tax guidance about any remaining debt or other consequences.
Learn more about short sales →Will you judge me?
No. You don’t have to explain everything perfectly or have a plan before you call. Life happens, and asking for help shouldn’t come with judgment. I’ll listen, treat you with respect, and help you understand your next steps. You’ll have room to ask questions and make your own decisions.
Do I have to sell my home?
No. You don’t have to decide to sell before reaching out. If your goal is to keep your home, we can start there and talk about the questions to bring to your servicer or a HUD-approved housing counselor. Selling is one possible path, not a condition of getting in touch.
Can you stop my foreclosure?
JC cannot guarantee or authorize a foreclosure pause. Your servicer and qualified legal counsel can help clarify the status and requirements for your situation.
What should I bring to our first conversation?
Your goals, a general picture of the situation, and any known deadlines. Keep financial documents private; ask about an appropriate secure way to share anything needed later.
You don’t have to figure it out alone.
Let’s talk about where you are and what your next step could look like.