Start with the facts—at your own pace.

A transparent first conversation

We look at the property-side facts so we can help organize the questions worth discussing. A lender, attorney, HUD-approved housing counselor, or tax professional may be the right person for questions about your rights, loan terms, credit, or deadlines.

Share the basics when you’re ready

You do not need every document or answer before you start. The details below help make the first conversation more useful.

1. Tell us about the property

• Location: the street address, city, and ZIP code.
• Property type: house, condo, townhome, manufactured home, or another type.
• Condition: any major repairs or condition concerns that may affect a sale.
• Occupancy: whether it is your primary home, a rental, vacant, or occupied by someone else.

2. The financial details

• Lender or servicer: the company receiving your mortgage payments.
• Estimated balance: a rough amount remaining on the primary mortgage.
• Payment status: whether payments are current or how many may have been missed.
• Other obligations: second mortgages, solar agreements, HOA balances, property taxes, or other known obligations.

3. Ownership basics

• Names on title: the people listed on the deed or ownership paperwork.
• How the property was acquired: purchased, inherited, jointly owned, or another situation.
• Estate or family circumstances: probate, divorce, separation, or other circumstances that could affect decision-making.
• Known claims: liens, judgments, or other title questions you already know about.

4. Timing and your horizon

• Important dates: any scheduled auction, hearing, or foreclosure date you know about.
• Recent notices: letters, court papers, or lender notices you have received.
• Your preferred timeline: how quickly you need information or hope to make a decision.
• Lender contact: whether you have submitted a hardship or loss-mitigation packet, and what the lender has told you.