Delinquency
Falling behind on your mortgage and missing payments can happen to anyone. Gaining a clear understanding of your options and the foreclosure process is crucial to minimizing complications. Mortgage delinquency is a serious matter that requires prompt action to safeguard your financial and housing stability.
Notice of Default
Receiving a notice of default is a situation no homeowner wants to face. When financial and credit challenges arise, it’s crucial to act quickly. Once the notice is issued, the clock begins ticking, and if the delinquency is not resolved within three months, the process will advance to the next stage of foreclosure.
Notice of Trustees Sale
Urgent Action Required: Receiving a Notice of Trustee’s Sale indicates that your mortgage default remains unresolved and foreclosure is nearing its final stage. This notice typically provides only 21 days before your property is scheduled for auction. Time is critical, but there may still be options available to address the situation. Acting immediately can make all the difference.

Next Steps

Evaluation- I provide clients with a thorough evaluation of their unique circumstances related to their notice of default or foreclosure. By carefully assessing your situation, I can help you understand your options, identify potential solutions, and create a tailored plan to address your needs. My goal is to provide clarity and support during this challenging time, empowering you to take the next steps with confidence.
Understanding- I am here to help you navigate the foreclosure process and explore potential solutions—without judgment. I understand that life can take unexpected turns, and I’ve been in your shoes before. My goal is to provide you with guidance, support, and practical options to help you move forward. You don’t have to face this challenge alone; together, we can work toward a solution that works for you.
Experience- Having firsthand knowledge and experience with the foreclosure process, I understand the challenges and emotions that come with it. This personal experience allows me to better connect with your situation and offer practical, compassionate guidance. I am well-versed in the intricacies of foreclosure and the solutions available, equipping me to help you explore your options and find the best path forward.
Solutions- I take a personalized approach to finding actionable solutions for your foreclosure situation. By carefully evaluating your specific circumstances, financial ability, and overall preferences, I work to identify options that align with your goals and needs. Whether it’s exploring repayment plans, loan modifications, or other strategies, my focus is on creating a practical and effective plan to help you regain control and move forward with confidence.

Get Your Foreclosure Resource Kit

Take control of your situation with our free Foreclosure Resource Kit. This comprehensive guide will help you understand the foreclosure process and timeline while providing a detailed list of resources and options that may be available to you. Request your kit today and gain the knowledge you need to make informed decisions and explore potential solutions.

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Why Work With Me?

Facing foreclosure can be an overwhelming and isolating experience—I know because I’ve been there. After my family suffered a devastating illness and a personal loss, I faced foreclosure despite being a real estate professional at the time. That experience taught me firsthand how confusing and emotional the process can be.
Today, I use my extensive personal experience and knowledge to help others navigate or even avoid foreclosure. From negotiating forbearances and loan modifications to exploring private funding options and understanding critical timelines, I am equipped to guide you every step of the way. Let my hard-earned expertise become your greatest resource as we work together to find a solution tailored to your needs. You don’t have to face this alone—I’m here to help.
Our Agents
Natalie Banning
Natalie Banning Agent | License ID: 01723348
With 22 years of experience in sales and marketing, including 19 years in real estate, I have worked with a diverse range of properties and situations, from new construction to resale homes. My expertise allows me to navigate challenges seamlessly, always finding solutions that benefit my clients. Whether helping buyers find their perfect home or ensuring sellers get top value, my number one goal is to exceed expectations. Outside of real estate, I’m a busy mom of three high schoolers and the proud owner of two energetic Boxer dogs. I love spending my free time camping, exploring the outdoors, and enjoying lake days with family and friends.