My Journey
In 2006, my family lost our home to foreclosure. I was just 14 years old. My parents tried everything to keep up, but like so many others, they fell behind—and before we knew it, we had to leave the only home we’d ever known.
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We didn’t understand the process. We didn’t know what a short sale was. And the hardest part? We had no one to guide us. No one explained our options or helped us make sense of what was happening. We felt completely alone, and that experience stuck with me.
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It’s the reason I do this work today. You're not alone!
​Now, I help families across Delaware avoid foreclosure with clarity, compassion, and zero pressure. This site was built to be the resource we never had—to give you answers, support, and a path forward. If you’re struggling, I want you to know: you're not alone, and there are options. Let’s take the next step—together.
Short Sale
If you owe more on your home than it’s currently worth, a short sale could be an option. With your lender’s approval, you can sell the home for less than what’s owed—helping you avoid foreclosure, reduce the hit to your credit, and get a fresh start without the stress of losing everything.
Loan Modification
A loan modification involves working with your lender to change the terms of your mortgage—such as lowering your payment or extending the loan. It can help make payments more manageable, but approval isn’t guaranteed, and the process can be slow and unpredictable.
Forberance
If you act fast and your hardship is temporary, you may be able to pause payments through forbearance. This works best before foreclosure progresses too far and is usually a short-term fix.
Sell To An Investor
If time is running out, selling to a cash buyer can be a fast way to avoid foreclosure—especially if your home has equity. Even without equity, some investors may still make an offer. This can be a last-minute solution to stop the foreclosure and prevent it from hitting your credit report.
Deed In Lieu Fineclosure
​While not as common, some lenders may agree to take the home back through a deed in lieu of foreclosure. It’s not the right fit for everyone, but in certain situations,especially when selling isn’t an option; it can be a way to avoid foreclosure and move on with fewer long-term consequences.
Refinance
In certain cases, refinancing into a new mortgage with better terms may be possible. While harder to qualify for once you're behind, it’s worth exploring if you still have decent credit or equity.
