Your options are limited — but they are not zero. Every minute counts. Read this page completely before you do anything else.
If your auction is within 48 hours, your options are limited but not zero.
Do not panic. Do not freeze. The next two actions you take in the next 30 minutes could be the difference between losing your home and buying yourself critical time. Here is exactly what to do right now — in this order.
Do these right now. In this order. Do not wait.
If we don't pick up immediately, leave a voicemail right away with the following information:
Send your email immediately after calling. Include the following in your message:
Subject line: EMERGENCY — Auction [Date] — [Your Name] — [Property Address]
Once we receive your call and email, our team will review your situation and work with you on every available option to stop or delay the auction. This may include contacting your servicer's loss mitigation department, exploring legal options, or identifying a rapid exit strategy.
The faster you reach out, the more options we have. Do not wait.
When MVP launches, it will assess your exact situation in real-time — analyzing your lender, loan type, timeline, and hardship profile — and tell you which option has the highest probability of stopping the sale. Available 24/7, instant response.
Good — you have time to work with. More time means more options. Here's exactly how to use every hour strategically.
Don't wait. Call the loss mitigation line directly — not general customer service. Request a loan modification application and ask for the name of your assigned representative. Document everything: date, time, rep name, what was said.
The single biggest reason modifications fail is incomplete documentation. Use the free Document Checklist in your dashboard to start collecting: pay stubs, bank statements, tax returns, hardship letter, and income/expense worksheet.
Before submitting anything, know your numbers. Use the free DTI Calculator and Hardship Score tool in your dashboard. Understanding where you stand helps you frame your hardship letter and set realistic expectations.
Depending on your state and loan type, you may have legal options that can delay or stop a sale — including bankruptcy protection, mediation programs, or servicer violations. Consult a HUD-approved housing counselor (free) or a foreclosure attorney.
If your income doesn't support any modified payment, a strategic exit may protect your credit and put cash in your pocket. A short sale, deed-in-lieu, or cash offer from an investor can be a dignified way out. See Plan B for details.
Log into your free dashboard and enter your auction date. The countdown timer will track every day remaining and alert you when you're approaching critical thresholds. Don't manage this in your head — let the system track it for you.
The time is right now. Pick up the phone. Send the email. We will work through this with you.
You are not alone in this. We've seen situations like yours resolved — but only when action was taken immediately.
Not in emergency? Return to homepage or start your action plan.