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 .