The 5 Ways to Save Your Home

How KeepHomes Together Helped a Family Stop Foreclosure:

When the foreclosure notice arrived, Jessica and her husband, Mike, felt the world closing in on them. After years of hard work to build a life in their home, an unexpected medical emergency drained their savings and left them months behind on their mortgage. Their lender’s warnings escalated quickly, and now they were weeks away from losing everything.

Jessica was overwhelmed by shame and uncertainty, unsure how to navigate this seemingly impossible situation. That’s when KeepHomes Together came into their lives—and changed everything.

A Chance Meeting Brings Hope

Jessica wasn’t sure what to expect when a representative from KeepHomes Together knocked on their door. She had heard about companies preying on desperate homeowners, so her guard was up. But instead of a sales pitch, the representative offered compassion and a simple promise: "We’re here to help you find the right solution for your family."

Over the next few days, they sat down with Jessica and Mike, listened to their story, and presented five ways to stop foreclosure.

The 5 Ways to Stop a Pre-Foreclosure

1. Catch Up on Arrears

The simplest way to stop a foreclosure is to bring the loan current by paying the missed payments, plus any late fees or penalties.

• When It Works: If the financial hardship was temporary and the homeowner now has the resources to pay.

• For Jessica and Mike: This wasn’t an option. They had no savings left to cover the arrears.

2. Loan Modification

This option allows homeowners to renegotiate the terms of their mortgage with their lender, potentially reducing monthly payments, extending the loan term, or lowering the interest rate.

• When It Works: If the homeowner can afford the home with more manageable payments.

• For Jessica and Mike: KeepHomes Together helped them understand this option, but their lender’s strict requirements made it difficult.

3. Bankruptcy (Not Recommended)

While filing for bankruptcy can halt foreclosure temporarily, it has long-term consequences, including severe credit damage.

• When It Works: As a last resort for homeowners with overwhelming debt and no other options.

• For Jessica and Mike: This wasn’t ideal. They didn’t want to risk the long-term financial impact.

4. Cash Sale

Selling the home quickly for cash can help homeowners avoid foreclosure and walk away with equity.

• When It Works: If the homeowner is ready to move and needs a fast, hassle-free sale.

• For Jessica and Mike: This option started to make sense as their lender was unwilling to modify the loan, and they didn’t want foreclosure on their record.

5. Subject-To Sale

A creative option where a buyer takes over the homeowner’s existing mortgage payments while the loan remains in the original owner’s name.

• When It Works: If the homeowner can no longer keep the home and prefers a solution that avoids foreclosure.

• For Jessica and Mike: This was the perfect solution. KeepHomes Together found a buyer who could assume the payments, allowing them to move on without foreclosure.

Taking Action—and Finding Success

Jessica and Mike worked closely with KeepHomes Together to navigate the subject-to sale process. With their help, the foreclosure was stopped, and the couple was able to transfer the home to a buyer who took over the payments. They avoided foreclosure, preserved their credit, and walked away with dignity.

How KeepHomes Together Can Help You

Every homeowner’s situation is unique, but the five proven ways to stop foreclosure can provide a lifeline.

1️⃣ Catch up on arrears if you have the resources.
2️⃣ Apply for a loan modification to make payments manageable.
3️⃣ Understand bankruptcy as a last resort.
4️⃣ Consider a cash sale for a fast solution.
5️⃣ Explore subject-to sales for creative options to avoid foreclosure.

At KeepHomes Together, we’re here to guide you through the process, just like we did for Jessica and Mike.

Take the First Step Today

Time is critical when facing foreclosure. Contact KeepHomes Together for a free consultation. We’ll help you explore your options and create a plan that works for you.

Don’t let foreclosure define your future—let’s find the best path forward together.

Finding Hope in the Storm

By Anonymous

My husband and I had always prided ourselves on staying on top of our finances. But last year, life threw us more than we could handle. After he lost his job unexpectedly and I had to cut back hours to care for our youngest, the bills started piling up. First, it was the utilities. Then the credit cards. Before we knew it, we were months behind on our mortgage.

The foreclosure notice came like a punch to the gut. I’ll never forget the moment I opened that envelope—it felt like our entire world was crumbling. We had less than 30 days before the house we raised our three kids in would go to auction. It seemed like there was no way out.

That’s when KeepHomes Together entered our lives. A neighbor told us about them, saying they had helped another family down the street. I wasn’t sure at first—there’s so much out there that feels like a scam when you’re already vulnerable. But desperation has a way of making you take a chance.

A Plan That Gave Us Hope

When we called KeepHomes Together, we were met with kindness and understanding. They didn’t make us feel ashamed or judged. Instead, they wanted to know our story—what brought us to this point and what we wanted for our family’s future.

They walked us through a simple three-step process:

1️⃣ Connect: They listened to us. For the first time, it felt like someone truly understood the weight we were carrying.

2️⃣ Explore Options: They presented us with several ways to stop the foreclosure process. Some were things we’d never even heard of, like loan modifications and Creative Financing. They explained everything in plain language so we could make the best decision for our family.

3️⃣ Take Action: Together, we decided to pursue a loan reinstatement. KeepHomes Together worked directly with our lender to negotiate terms we could manage. They even helped us find temporary financial assistance to cover part of the arrears.

From Crisis to Stability

Just two days before the auction, we received confirmation that the foreclosure had been paused. I cried tears of relief when I got the call. Since then, we’ve been able to catch up on payments and put a plan in place to avoid falling behind again.

Today, our family is still in our home. My husband recently started a new job, and we’re rebuilding what we lost during those tough months.

Why KeepHomes Together Was Our Answer

KeepHomes Together wasn’t just a service—they were a lifeline. They gave us clarity in a time of chaos and showed us that no matter how bad things seemed, there were still options.

If you’re feeling overwhelmed and running out of time, don’t wait. Call KeepHomes Together. They helped us keep our family’s home, and I know they can do the same for you.

This isn’t just a story about saving a house—it’s about saving hope for the future.

How KeepHomes Together is Changing Lives

How KeepHomes Together is Changing Lives

Foreclosure feels like the end of the road. The weight of overdue payments, the fear of losing your home, and the uncertainty about your future can be paralyzing. You’re not just at risk of losing a property; you’re facing the potential loss of stability, security, and hope.

But here’s the truth: you don’t have to face this alone.

At KeepHomes Together, we believe every homeowner deserves a chance to rewrite their story. Our mission is to guide families through the overwhelming maze of foreclosure with compassion, expertise, and actionable solutions. We’re not just a service—we’re your partner in reclaiming control over your future.

The Journey Begins with a Simple Plan

We know that no two foreclosure situations are alike, so we’ve developed a straightforward three-step process to help you move forward:

1️⃣ Connect: Let’s have an open conversation to understand your unique situation and your goals.
2️⃣ Explore Options: We’ll review the five proven ways to stop foreclosure and find the best fit for you.
3️⃣ Take Action: Together, we’ll create and execute a plan, whether that means keeping your home, selling it with dignity, or transitioning to a fresh start.

This isn’t just about avoiding foreclosure—it’s about giving you the peace of mind and clarity you need to make the best decision for you and your family.

Avoid Failure, Achieve Success

Without action, the path forward can feel bleak—credit damage, financial instability, and the emotional toll of foreclosure. But with KeepHomes Together by your side, you can avoid these outcomes.

Imagine waking up knowing your family’s future is secure. Whether you’ve managed to stay in your home or found a fresh start, you’ll know you made the right choice with the guidance and support you needed.

Take the First Step

Time is critical. The sooner we start, the more options you’ll have to regain control of your situation. Contact KeepHomes Together today for a free consultation. There’s no pressure, just a conversation to explore what’s possible.

At KeepHomes Together, we’re not just helping homeowners—we’re empowering heroes to take back their stories. Let’s face this challenge together and create a brighter future.

Let’s build a story of hope, one home at a time. Reach out today and discover the KeepHomes Together difference.

How KeepHomes Together Saved Our Family Home

By Anonymous

I never thought my sister and I would be in this position. After losing our mom unexpectedly, everything seemed to unravel. Grieving was hard enough, but then the financial realities of her passing hit us like a ton of bricks. The house she left us—a place filled with so many memories—was suddenly at risk. Without the funds to pay for probate or even a clue about how to handle the legal mess, foreclosure became a very real and terrifying possibility.

We were just weeks away from the auction when a man from KeepHomes Together knocked on our door. I’ll be honest: I didn’t trust him at first. I mean, who shows up at your door saying they can help you with something as big as this? My sister, Emily, felt the same way. “It’s too good to be true,” she whispered after he left.

But the next day, he came back, just like he said he would. This time, he didn’t push anything. He simply laid out five options for stopping foreclosure. That’s when we realized he wasn’t just another salesperson. He actually cared about helping us, not just making a deal.

The 3-Step Plan That Changed Everything

The guy from KeepHomes Together, let’s call him Jake, didn’t just stop at explaining our options. He gave us a plan:

1️⃣ Connect: First, he listened. Like, really listened. He wanted to understand what we were going through and what we wanted. We told him we wanted to keep the house if we could, but mostly we needed time to figure things out.

2️⃣ Explore Options: Jake explained how probate worked (which we knew nothing about) and told us the steps we needed to take to protect the property. He even offered to help us find an attorney who specialized in cases like ours.

3️⃣ Take Action: Within days, we had a probate attorney, and Jake’s team worked to get the foreclosure auction postponed—not once, not twice, but three times! Each extension gave us breathing room to make decisions as a family.

From Fear to Hope

Today, we’re still in probate, but for the first time in months, we can see a future. The proceeds from the house sale will help Emily and me get back on our feet. We’ve already started making plans to pay off debts, rent a place together, and maybe even go back to school.

I can’t believe how much has changed in such a short time. What seemed like an impossible situation turned into a second chance for our family.

Why KeepHomes Together Matters

Looking back, I realize Jake and KeepHomes Together were like the guide in every great story—they didn’t try to take over; they showed us the path and let us decide how to walk it. Without their help, we might’ve lost everything.

If you’re in a tough spot like we were, don’t wait. Listen to someone who’s been there: Reach out to KeepHomes Together. They’re not just a company—they’re the lifeline you didn’t know you needed.

This journey wasn’t easy, but it was worth it. And thanks to KeepHomes Together, we’re finally on the road to rebuilding our lives.