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 families during that time, they eventually fell behind. Before we knew it, we had to leave the only home we’d ever known.
We didn’t understand the process. We had never even heard of a short sale. And the hardest part was that we had no one guiding us through it. No one explained our options or helped us understand what was happening. It felt like we were completely on our own.
That experience stuck with me. It’s the reason I do this work today.
Now I help families across Delaware who are facing foreclosure. My goal is simple: help people understand their options and make the best decision for their situation.
If you're in this position right now, I know how overwhelming it can feel. The notices, the phone calls, the uncertainty, it’s a lot. But the truth is, foreclosure isn’t always the only outcome. In many cases, there are options that can help you move forward without going through the full foreclosure process.
This site exists because I know what it feels like to be in that position. If you're going through something similar, I want you to know there are options, and you don't have to figure it out by yourself.
Short Sale
If you owe more on your home than it’s worth, a short sale might be an option. With your lender’s approval, the home can be sold for less than what’s owed, helping you avoid foreclosure.
Loan Modification
A loan modification means working with your lender to adjust your mortgage terms, like lowering your payment or extending the loan. This can make payments easier to manage, but approval isn’t always guaranteed.
Forbearance
If you're going through a temporary hardship, your lender may allow you to pause or reduce your mortgage payments through forbearance. This is usually a short-term option and works best when addressed early.
Sell Your Home Fast
If time is running out, selling to a cash buyer can be a fast way to avoid foreclosure. Homes with equity often sell quickly, but in some cases investors may still make an offer even without equity.
Deed In Lieu Foreclosure
In some cases, a lender may agree to take the home back through a deed in lieu of foreclosure. It’s not right for every situation, but it can sometimes help homeowners avoid foreclosure.
Refinance
In some situations, refinancing into a new mortgage with better terms may be an option. It’s harder to qualify once you’re behind, but it may still work if you have good credit or equity.
