Received a notice or have a foreclosure sale date? Call or text 256-321-0696 or email joi@thejoiofhome.com
Information you can use

A little clarity can
make a real difference.

Practical checklists and trusted sources to help you prepare for your next conversation.

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Useful information. A more confident next step.
Homeowner relief library

Start with the guide you need.

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Homeowner hardship guide

Organize your next steps when payments become difficult.

  • Write down what changed and when.
  • Review current income and essential expenses.
  • Call the servicer listed on your statement and ask about assistance requirements.
  • Track every call, document request, and deadline.
Review your first steps →
An open notebook ready for questions and next steps

Foreclosure notice guide

Read the notice carefully and keep the original.

  • Identify the property and sender.
  • Note any sale date, stated deadline, and contact details.
  • Verify the status with your servicer using a trusted number.
  • Ask a qualified Alabama attorney about the notice and your rights.

Do not assume a notice is the final word or that a pending application pauses a sale.

Discuss the real estate side →
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Mortgage relief options guide

Prepare questions before choosing a path.

  • Is the hardship temporary or ongoing?
  • Is staying in the home your goal?
  • What payment could be manageable?
  • What would selling leave after payoffs and costs?
  • Who must approve the option?
Compare possible paths →

More homeowner-relief resources will be added here as they become available.

Trusted homeowner resources.

Find a HUD-approved housing counselor

Connect with a counselor to discuss mortgage assistance and foreclosure concerns.

Visit official resource ↗

Understand mortgage assistance options

Read the CFPB’s overview of possible paths when payments become difficult.

Visit official resource ↗

You don’t have to figure it out alone.

Let’s talk about where you are and what your next step could look like.

Schedule a conversation →