{"id":369116,"date":"2016-04-04T10:47:12","date_gmt":"2016-04-04T15:47:12","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/realestate\/foreclosure.html"},"modified":"2025-07-29T11:00:09","modified_gmt":"2025-07-29T16:00:09","slug":"foreclosure","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/realestate\/foreclosure.html","title":{"rendered":"Foreclosure"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <div\n    data-testid=\"fl-general-title\"\n    class=\"fl-general-title fl-flex fl-gap20 fl-items-end\"\n>\n    <div class=\"fl-general-title-heading fl-flex fl-flex-column\">\n        <h1\n            class=\"fl-h1 fl-general-title-title fl-no-spacing\"\n            data-testid=\"fl-general-title-title\"\n        >\n            Foreclosure\n        <\/h1>\n        <p\n            class=\"fl-general-title-description fl-text-xl fl-no-margin\"\n            data-testid=\"fl-general-title-description\"\n        >\n            Find information and resources to help you get a handle on mortgage payments, avoid foreclosure, and get better prepared for the foreclosure process. \n        <\/p>\n    <\/div>\n<\/div>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/eric-harvey-j-d\/\">Eric Harvey, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/jordan-walker-j-d\/\">Jordan Walker, J.D.<\/a>\n                | Last updated\n        <time>\n                            July 29, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Welcome to FindLaw&#8217;s Foreclosure and Real Estate section. Here you will find information and resources to help you get a handle on mortgage payments and learn about how to avoid foreclosures.<\/p>\r\n\n<div\n    class=\"fl-category-overview\"\n    data-testid=\"fl-category-overview\"\n>\n    <div\n        class=\"fl-accordion fl-category-overview-container\"\n        id=\"category-overview\"\n        data-testid=\"fl-accordion\"\n    >\n                    <div\n               class=\"fl-accordion-item fl-category-overview-item\"\n               id=\"section-1-category-overview\"\n               aria-labelledby=\"button-1-category-overview\"\n               data-testid=\"fl-accordion-item\"\n            >\n                <h2\n                    class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                    data-testid=\"fl-accordion-header\"\n                >\n                    <button\n                        id=\"button-1-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-1-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Foreclosure Process\n                        <span aria-hidden=\"true\">\n                            <i\n                                class=\"fa fa-angle-down small\"\n                                aria-hidden=\"true\"\n                            ><\/i>\n                        <\/span>\n                    <\/button>\n                <\/h2>\n                <div\n                    class=\"fl-accordion-content\"\n                    data-testid=\"fl-accordion-content\"\n                    id=\"content-1-category-overview\"\n                >\n                    <ul class=\"fl-no-margin fl-list\">\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/more-foreclosure-frequently-asked-questions.html\" class=\"fl-list-item-link\">\n                                    <span>Foreclosure Frequently Asked Questions<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-power-of-sale.html\" class=\"fl-list-item-link\">\n                                    <span>Foreclosure by Power of Sale<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/state-specific-information-on-foreclosure.html\" class=\"fl-list-item-link\">\n                                    <span>State Foreclosure Resources<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n                    <div\n               class=\"fl-accordion-item fl-category-overview-item\"\n               id=\"section-2-category-overview\"\n               aria-labelledby=\"button-2-category-overview\"\n               data-testid=\"fl-accordion-item\"\n            >\n                <h2\n                    class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                    data-testid=\"fl-accordion-header\"\n                >\n                    <button\n                        id=\"button-2-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-2-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Avoiding Foreclosure\n                        <span aria-hidden=\"true\">\n                            <i\n                                class=\"fa fa-angle-down small\"\n                                aria-hidden=\"true\"\n                            ><\/i>\n                        <\/span>\n                    <\/button>\n                <\/h2>\n                <div\n                    class=\"fl-accordion-content\"\n                    data-testid=\"fl-accordion-content\"\n                    id=\"content-2-category-overview\"\n                >\n                    <ul class=\"fl-no-margin fl-list\">\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/10-tips-to-avoid-foreclosure.html\" class=\"fl-list-item-link\">\n                                    <span>10 Tips To Avoid Foreclosure<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/contacting-your-loan-servicer.html\" class=\"fl-list-item-link\">\n                                    <span>Contacting Your Loan Servicer<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/housing-and-credit-counseling.html\" class=\"fl-list-item-link\">\n                                    <span>Housing and Credit Counseling<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n                    <div\n               class=\"fl-accordion-item fl-category-overview-item\"\n               id=\"section-3-category-overview\"\n               aria-labelledby=\"button-3-category-overview\"\n               data-testid=\"fl-accordion-item\"\n            >\n                <h2\n                    class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                    data-testid=\"fl-accordion-header\"\n                >\n                    <button\n                        id=\"button-3-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-3-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Foreclosure Scams\n                        <span aria-hidden=\"true\">\n                            <i\n                                class=\"fa fa-angle-down small\"\n                                aria-hidden=\"true\"\n                            ><\/i>\n                        <\/span>\n                    <\/button>\n                <\/h2>\n                <div\n                    class=\"fl-accordion-content\"\n                    data-testid=\"fl-accordion-content\"\n                    id=\"content-3-category-overview\"\n                >\n                    <ul class=\"fl-no-margin fl-list\">\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/protect-your-home-from-foreclosure-rescue-scam-artists.html\" class=\"fl-list-item-link\">\n                                    <span>How To Detect and Avoid Foreclosure Scam Artists<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/bankruptcy-foreclosure-scams.html\" class=\"fl-list-item-link\">\n                                    <span>Common Types of Foreclosure Scams<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n            <\/div>\n<\/div>\n\n<p>In the event you&#8217;re in the midst of a foreclosure process, it&#8217;s important to know what to do. This section addresses all that you need to know about the process. Overall, this section will help you navigate the complex world of real estate. This section also provides key information on foreclosure alternatives and tips to help you avoid or stop foreclosure. This can be done through:<\/p>\r\n<ul>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/bankruptcy-credit-counseling.html\">Credit counseling<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/mortgage-modification.html\">Mortgage modification<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/can-i-keep-my-home-after-filing-bankruptcy.html\">Bankruptcy<\/a><\/li>\r\n<li>A variety of other strategies<\/li>\r\n<\/ul>\r\n<p>Foreclosure is a difficult process to undergo, as can be expected when the loss of one&#8217;s home is at stake. Knowing what to expect and having the right information&nbsp;can make it more tolerable.<\/p>\r\n<h2>Foreclosure at a Glance<\/h2>\r\n<p>A lender will&nbsp;foreclose on a home when the homeowner&nbsp;defaults on their&nbsp;mortgage. This often&nbsp;occurs after&nbsp;several mortgage payments are missed.&nbsp;Your lender will make efforts to contact you via mail or telephone with warnings. Those warnings will indicate that foreclosure is imminent and&nbsp;include&nbsp;certain deadlines.&nbsp;<\/p>\r\n<p>Individuals who lose their homes through foreclosure will see a decline in their credit score. This often requires&nbsp;rebuilding their credit before reentering the housing market again. <\/p>\r\n<p>If your home is worth less than the amount remaining on your mortgage, you may be hit with a deficiency judgment. If this happens, you, as the borrower, will have to pay the bank the difference. Otherwise, the bank will use the proceeds from selling your home in order to pay down the remaining loan balance. If the sale price is less than what you owe, the deficiency judgment will require that you pay the difference.&nbsp;<\/p>\r\n<p>While deficiency judgments are possible in many states, some states have enacted or strengthened \u201canti-deficiency&quot; laws&nbsp;in the wake of the COVID-19 pandemic. These state laws and regulations affect the manner in which foreclosures are executed and are&nbsp;mostly intended to prevent fraud and protect the parties involved.&nbsp;&nbsp;<\/p>\r\n<p>For example, notice of default is a critical stage of the foreclosure process in New jersey. Homeowners in New Jersey should be aware of their rights and options in the housing and urban development sphere. <\/p>\r\n<p>For more information on housing and urban development, consider contacting the Department of Housing and Urban Development (HUD). Homeownership is often stressful, but foreclosure is even more difficult. Being informed always helps.<\/p>\r\n<h2>Types of Foreclosure and Real Estate<\/h2>\r\n<p>There are two main types of foreclosure initiated in the U.S., although&nbsp;a handful of states employ a few other methods. It&#8217;s important to verify what your state does. The two primary types are:<br>\r\n<\/p>\r\n<ul>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-judicial-sale.html\">Foreclosure by judicial sale<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-power-of-sale.html\">Foreclosure by power of sale<\/a><\/li>\r\n<\/ul>\r\n<ol>\r\n<\/ol>\r\n<p>In the first kind, the property is sold under the court&#8217;s supervision. The proceeds are used to pay off the mortgage lender and any lien holders. Most states also allow the second type of foreclosure. It involves the sale of the property by the mortgage holder, without the supervision of the court. <\/p>\r\n<p>The older process known as &quot;strict&quot; foreclosure is now only available in New Hampshire and Vermont.&nbsp;In a strict foreclosure, a court orders the mortgagor (the homeowner) to pay off the mortgage. They are ordered to do so within a certain period of time. If the mortgagor is unable to do so, the lender gains automatic title to the property.<\/p>\r\n<h2>Avoiding Foreclosure in the Real Estate Market<\/h2>\r\n<p>No homeowner wants to go through&nbsp;foreclosure. For some struggling mortgagers, getting out from under their mortgage in any possible way is a bitter relief. The best tip for avoiding foreclosure is to pay your monthly mortgage each month, but that&#8217;s easier said than done.<\/p>\r\n<p>Homeowners who are unable to make their mortgage payments on a regular basis can sometimes work out a plan to keep their homes. Lenders would rather receive payments from you than take on the responsibility of taking over your house or property.<\/p>\r\n<p>Preferring&nbsp;monthly mortgage payments on the loan,&nbsp;some&nbsp;lenders may be&nbsp;willing to modify the loan by&nbsp;temporarily lowering&nbsp;or suspending&nbsp;monthly mortgage payments. This is a process called &quot;forbearance.&quot; They might offer to come up with a repayment plan, or you could&nbsp;refinance. <\/p>\r\n<p>Other options include seeking government assistance or filing for bankruptcy. You might simply sell the home yourself in order to avoid foreclosure through traditional methods or&nbsp;in an auction to the highest bidder. A court might do this&nbsp;at a public auction. <\/p>\r\n<p>Real estate investors might purchase the house to relieve you of your situation. Investors in real estate often purchase foreclosure properties for development purposes. This is true because foreclosure homes often can be purchased&nbsp;below market value. Bank-owned foreclosed properties all sell at low amounts as well. <\/p>\r\n<p>Foreclosure sales can be a quick way to eliminate the stress of a foreclosure. A foreclosure can cause a stigma on your credit report, and having a&nbsp;foreclosed property on your public&nbsp;record can follow you around for a long time. You&#8217;ll want to do everything you can to prevent such a situation.<\/p>\r\n<h2>Real Estate, Home Buyers, and More<\/h2>\r\n<p>For home buyers, it&#8217;s crucial to be aware of the market value, lender, and stage of foreclosure of the properties you are interested in. It&#8217;s important to research homes for sale and home values. When you find a home on a listing service, make sure to review whether the home is in foreclosure. In many cities, this information is required to be disclosed, such as in&nbsp;Omaha, Nebraska.<\/p>\r\n<p>Real estate agents and realtors can provide valuable guidance throughout the home purchase process. Conducting a home inspection is a prudent step to ensure you&#8217;re making a sound investment in the real estate market. It&#8217;s also important to know about closing costs and a variety of other essential topics related to home buying. Choose a topic below to get started.<\/p>\r\n<h2>Fannie Mae and Freddie Mac: What Are They?<\/h2>\r\n<p>Fannie Mae and Freddie Mac&nbsp;are government-sponsored organizations. They play an important part in the housing finance system. They purchase mortgages and hold them in portfolios. They also package them into mortgage-backed securities.<\/p>\r\n<p>By doing so, they make sure that timely mortgage payments are made on the underlying mortgages. This gives stability to the mortgage market.&nbsp;These organizations&nbsp;provide stability and affordability to the housing market.<\/p>\r\n<h2>Popular Content<\/h2>\r\n<p>To learn more about foreclosures, review the following;<\/p>\r\n<ul>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-power-of-sale.html\">Foreclosure by Power of Sale<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/what-are-anti-deficiency-laws.html\">What Are Anti-Deficiency Laws?<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-judicial-sale.html\">Foreclosure by Judicial Sale<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/mortgage-servicers.html\">Mortgage Servicers<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/watch-out-for-foreclosure-scams.html\">Watch Out for Foreclosure Scams<\/a><\/li>\r\n<li><a href=\"https:\/\/www.usa.gov\/agencies\/federal-housing-administration\" target=\"_blank\" rel=\"noopener\">What Is the Federal Housing Administration (FHA)?<\/a><\/li>\r\n<\/ul>\r\n<h2>Related Resources\u200b<\/h2>\r\n<p>You can&nbsp;review the following&nbsp;for&nbsp;more information:<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/more-foreclosure-frequently-asked-questions.html\"><\/a><\/p>\r\n<ul>\r\n<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/more-foreclosure-frequently-asked-questions.html\"><\/a><li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/more-foreclosure-frequently-asked-questions.html\"><\/a><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/more-foreclosure-frequently-asked-questions.html\">More Foreclosure Frequently Asked Questions<\/a><\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/10-tips-to-avoid-foreclosure.html\">10 Tips To Avoid Foreclosure<\/a><\/li>\r\n<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/saving-your-home-during-and-after-the-pandemic.html\"><\/a><li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/saving-your-home-during-and-after-the-pandemic.html\"><\/a><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/saving-your-home-during-and-after-the-pandemic.html\">Saving Your Home During and After the Pandemic<\/a><\/li>\r\n<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/special-forbearance.html\"><\/a><li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/special-forbearance.html\"><\/a><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/special-forbearance.html\">Special Forbearance<\/a><\/li>\r\n<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/the-mortgage-forgiveness-debt-relief-act.html\"><\/a><li><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/the-mortgage-forgiveness-debt-relief-act.html\"><\/a><a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/the-mortgage-forgiveness-debt-relief-act.html\">The Mortgage Forgiveness Debt Relief Act<\/a><\/li>\r\n<\/ul>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g 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<div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Many real estate processes can be handled on your own or with the help of a realtor\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Some tenant or neighbor disputes may need the help of local police\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Complex real estate issues (such as construction defects or illegal landlord actions) may need the support of an attorney\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Buying or selling a home, facing foreclosure, or mortgage loan issues can benefit from legal expertise. An attorney can offer tailored advice and help prevent common mistakes.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/#USER_GEO\/?fli=esum:FL43\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n    <div class=\"popularDirectory\">\n        <div class=\"general-popular-directory \">\n            <div class=\"general-popular-directory-title\">\n                <h3>Attorney Directory<\/h3>\n            <\/div>\n            <ul>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/foreclosure-alternatives\/\" target=\"_blank\" rel=\"noopener\">Foreclosure and Alternatives Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/housing-construction-defects\/\" target=\"_blank\" rel=\"noopener\">Housing and Construction Defects Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/landlord-tenant\/\" target=\"_blank\" rel=\"noopener\">Landlord and Tenant Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/land-use-zoning\/\" target=\"_blank\" rel=\"noopener\">Land Use and  Zoning Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/\" target=\"_blank\" rel=\"noopener\">Real Estate Law Attorneys<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/eminent-domain\/\" target=\"_blank\" rel=\"noopener\">Eminent Domain Lawyers<\/a><\/li>\n                                    <li><a href=\"https:\/\/lawyers.findlaw.com\/construction-law\/\" target=\"_blank\" rel=\"noopener\">Construction Law Attorneys<\/a><\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n\n\n    <\/div>\n<\/div><div class=\"popularRecent\">\n    <div class=\"row popular-recent\">\n        <h2 class=\"popular-recent-title\">Looking for More Information?<\/h2>\n        <div class=\"popular-recent-item\">\n            <div class=\"popular-recent-item-image\">\n                <img decoding=\"async\" src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745849290\/ability-law\/wp-prod\/general-components-popular-recent-popular\/general-components-popular-recent-popular.svg?_i=AA\"\n                    alt=\"\">\n            <\/div>\n            <div class=\"popular-recent-item-content\">\n                <h3>Popular Law Articles<\/h3>\n                <ul class=\"fl-list\">\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-power-of-sale.html\">Foreclosure by Power of Sale<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/what-are-anti-deficiency-laws.html\">What Are &#8216;Anti-Deficiency&#8217; Laws?<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-by-judicial-sale.html\">Foreclosure by Judicial Sale<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/mortgage-servicers.html\">Mortgage Servicers<\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/watch-out-for-foreclosure-scams.html\">Watch Out for Foreclosure Scams<\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n        <div class=\"popular-recent-item\">\n            <div class=\"popular-recent-item-image\">\n                <img decoding=\"async\" src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745849421\/ability-law\/wp-prod\/general-components-popular-recent-recent_12960fdca\/general-components-popular-recent-recent_12960fdca.svg?_i=AA\"\n                    alt=\"\">\n            <\/div>\n            <div class=\"popular-recent-item-content\">\n                <h3>Most Recent Law Articles<\/h3>\n                <ul class=\"fl-list\">\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/more-foreclosure-frequently-asked-questions.html\">\n                                Foreclosure Frequently Asked Questions\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-process.html\">\n                                Foreclosure Process\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/foreclosure-scams.html\">\n                                Foreclosure Scams\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/how-to-avoid-foreclosure.html\">\n                                How To Avoid Foreclosure\n                            <\/a>\n                        <\/li>\n                                            <li class=\"fl-list-item fl-flex\">\n                            <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                            <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/giving-up-your-home-without-foreclosure.html\">\n                                Walking Away From a Home To Avoid Foreclosure\n                            <\/a>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Foreclosure often means the loss of one&#8217;s home for nonpayment. It&#8217;s important to understand your legal options and possible alternatives. Learn more about the foreclosure process and what to expect at FindLaw.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":369059,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/OverviewPageController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2741],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-369116","page","type-page","status-publish","hentry","category-realestate"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=369116"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369116\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/369059"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=369116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=369116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=369116"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=369116"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=369116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}