Don't Wait!
Don't wait to stop foreclosure. Don't wait to contact someone for help. Don't wait to call your lender.
Every day after you've missed your first payment, your lender keeps moving along on their process to take your home. They may delay a few things here and there along the way, give you a second, third, or fourth chance to get caught up or stop foreclosure, but every day they will be moving slowly towards evicting you from your home.
It's not that they want to evict you, necessarily, but they know that many people who miss payments end up losing their homes. Just because you are waiting, does not mean they will. The lender will not wait to try to take your home back. Every single day counts.
Can you say the same for yourself? Have you planned to get back on your feet and taken a step on that plan, no matter how small, each and every day? If not, your lender is moving further and further ahead of you towards taking your home. And once they get so far that they can sell your property out from under you, take the proceeds to pay off their outrageous fees, and kick you out of your house, then it will be nearly impossible to stop foreclosure.
So, don't wait to get help. Don't think that things will "get better." We're not saying things won't get better, because things will get better eventually, but Do Not rely on an uncertain future to help you stop foreclosure. It's more important to contact someone for help or work with your lender, than to wait and hope. Planning your way out of foreclosure can help things get better much quicker, as well.
Take the time to find out your options and plan your next steps. The longer you wait, the more difficult it will be for anyone, even yourselves, to help stop foreclosure.
Don't wait: save your home as soon as you can.
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