Options to Avoid Foreclosure in Utah

Government Home Owner Assistance Programs

The rising number of foreclosures in this country is simply too big to ignore. That is why a number of government-backed program have been created that aim to streamline foreclosure avoidance options. Government Programs


A reinstatement is the simplest solution for a foreclosure, but often the most difficult to achieve. The homeowner simply pays the total amount past due (including late fees) to the lender.

Mortgage Modification

A mortgage modification involves the reduction of one of the following: the interest rate on the loan, the principal balance of the loan, the term of the loan, or any combination of these.


Also known as a "friendly foreclosure," a deed-in-lieu allows the homeowner to return the property to the lender rather than go through the foreclosure process.


A forbearance or repayment plan involves the homeowner negotiating with the mortgage company to allow them to repay back-payments over a period of time.

Rent the Property

This option does not require lender approval, but does require the homeowner's ability to rent the house for enough money to cover the monthly mortgage payment.

Servicemembers Civil Relief Act

If a member of the military experiences financial distress due to deployment-and their debt was entered into prior to deployment-he or she may qualify for relief under the Servicemembers Civil Relief Act.


Many believe bankruptcy is a "foreclosure solution," but this is only true in some states and situations. Entering bankruptcy can be a risky and costly process. Be sure to seek the advice of a qualified bankruptcy attorney when pursuing this as an option.


Refinancing means you will acquire a new loan based on your current credit standing. If you have already missed mortgage payments, your credit score may make it difficult to find a loan with cheaper payments. Knowing that foreclosure can be avoided gives you the ability to develop a realistic strategy to plan for a future that is both financially stable and full of hope

Short Sale

If you owe more on your property than it is currently worth, by negotiation with your lender you can sell the property for a price less than you owe and consider this as satisfying your debt. This a common solution and does not have to destroy your credit.  In many cases, the homeowner is able to buy another home immediately after the short sale so they can get into a home that better fits their situation, without having to move the family to an apartment or worse, with the inlaws.


We have saved more homeowners from foreclosure than any other agent in Utah and the Seller is

ALWAYS released from ALL deficiency obligations!  

We REALLY can help you with your "problem" real estate!

Fill out the information below; we will email you some helpful information, depending on your questions and your needs.  We will NEVER share your information. Everything you share with us is 100% confidential.

In order to best assist you, we will need to know some basic information:

  1. Are you behind on your payments or do you just owe more than you can sell it for in today's market?
  2. If you are behind, how many months?  If you are not behind, why do you want/need to move? 
  3. Are you trying to keep your home? If so, have you tried loan modification already? What were the results?
  4. The more we know, the better we can help you. Remember, your information is 100% secure. You will not owe the difference or arrearage, there are no fees to you, and in most cases, there is no tax liability either... You will know ALL the facts, good and bad, of your situation and options before we would ever ask you to commit to our services.  There are no hidden agendas... we really are just here to HELP YOU!
  5. Ask us anything.... you will ALWAYS get an honest, straight forward answer.

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