When you see headlines about foreclosure rates going up, it can feel overwhelming even scary. But if you’re falling behind on your mortgage payments, you’re not out of options. The most important step is acting early, and you don’t  have to face this alone. At LJ Realty Team & LJ Mortgage Team, we connect homeowners with trusted professionals who can guide you through every available path whether your goal is to avoid foreclosure  or sell before it ever hits your record .

Receiving a foreclosure letter can feel overwhelming but you’re not powerless. With quick action, the right information, and trusted guidance, many homeowners are able to stop the process or find a better path forward. Here’s a clear, step-by-step guide to help you move confidently. ✅ 1. Don’t Ignore the Letter Foreclosure notices come with strict deadlines. Missing them can limit your options so open the letter, read it carefully, and mark the dates you must