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Divorce & Foreclosure Help

Behind on Your Mortgage
After a Divorce?
You Have Options.

Going through a divorce is painful enough. Don't let the mortgage become another battle. HOAPnet's certified specialists help you protect your credit, your family, and your financial future — completely free.

$0 Out-of-Pocket Cost
🔒 100% Confidential
Help Within 24 Hours
🏠 1,000+ Homeowners Helped
⚖️ Legal Assistance Included

Divorce Changes Everything —
Including Who Pays the Mortgage

These are the most common situations we help with every day:

👤

Spouse Left — I Can't Cover the Payment Alone

One income suddenly covering a two-income mortgage. This is the most urgent situation we see, and we act fast.

⚖️

Both Spouses Disagree on What to Do

When one wants to sell and the other wants to keep the home, we help mediate a path forward that protects both parties.

📋

Divorce Decree Says Sell — No Idea Where to Start

Court-ordered sales don't have to be stressful. We navigate the process for you, quickly and cleanly.

📉

Behind on Payments During Divorce Proceedings

Divorce takes time. Missed payments stack up. We stop the foreclosure clock while your legal process plays out.

🏚️

Home Is Underwater — Owe More Than It's Worth

A short sale may be your best exit. We specialize in short sales that protect your credit better than foreclosure.

👶

Children Involved — Need to Minimize Disruption

We work quickly and discreetly to give you and your family the most stable outcome possible.

Every Situation Has a Solution

Our Specialist Consultants present all available paths — we never push one option over another.

01

Loan Modification

If one spouse wants to stay, we may be able to restructure the loan to a payment they can afford solo.

02

Traditional Sale

List and sell the home on the open market, split proceeds per divorce agreement — clean and straightforward.

03

Quick Cash Sale

No repairs, no showings, no waiting. Close in as little as 7 days and stop the foreclosure clock immediately.

04

Short Sale

When the home is worth less than the mortgage, a short sale lets you sell without owing the difference — and protects your credit far better than foreclosure.

05

Refinance / Buyout

One spouse refinances and removes the other from the mortgage, keeping the home while releasing the departing spouse from obligation.

06

Legal Assistance

Our HOAP program includes access to legal professionals who specialize in divorce-related real estate situations — at no cost to you.

Get Help in 4 Simple Steps

Our streamlined process gets you answers fast — because in foreclosure situations, time is everything.

01

Free Consultation

Tell us your situation — confidentially, no obligation, no pressure.

02

Specialist Assigned

A licensed Specialist Consultant in your state is assigned within 24 hours.

03

Review All Options

Your consultant presents every available option tailored to your divorce situation.

04

Execute Your Plan

We handle the paperwork, negotiations, and coordination until resolution.

Get Free Help Today

Fill out the form below — a Specialist Consultant will reach out within 24 hours. No cost, no obligation.

🔒 Your information is 100% confidential and secure. No spam, ever.

Divorce & Foreclosure Questions Answered

Can I sell my house to avoid foreclosure during a divorce?
Yes. Selling the home — either traditionally, as-is, or through a quick cash sale — is one of the most common ways to avoid foreclosure during a divorce. HOAPnet can guide both parties through the entire process.
What if only one spouse wants to sell?
This is very common. Our Specialist Consultants work with both parties and, if needed, coordinate with your attorneys to find a solution that protects both spouses from foreclosure and credit damage.
Can I keep the house after a divorce?
Possibly. Options like refinancing, loan modification, or a buyout may allow one spouse to retain the home. We analyze your specific financial situation and present all available paths at no cost to you.
How does divorce affect a foreclosure timeline?
Divorce does not pause a foreclosure. The lender continues the foreclosure process regardless of your marital proceedings. This is why it's critical to act quickly and not wait for the divorce to finalize.
How fast can HOAPnet help me?
We typically connect homeowners with a Specialist Consultant within 24 hours of their free consultation. Depending on your timeline, solutions can be implemented in as little as 7–14 days.

Homeowners Like You Found Solutions

"My husband left and I had no idea how I was going to cover the mortgage on one income. HOAPnet got me a loan modification within 3 weeks. I kept my home and my kids kept their school."

Sandra R.
Nassau County, NY

"We couldn't agree on anything during the divorce — including the house. HOAPnet mediated a quick cash sale that satisfied both of us and stopped the foreclosure. Professional and empathetic."

Marcus & Dana T.
Broward County, FL

"The divorce attorney told me to sell fast but I didn't know how. HOAPnet handled everything — no repairs, no realtor fees, closed in 9 days. I wish I had called sooner."

Patricia G.
Queens, NY

Don't Let Foreclosure Define Your Divorce

There is a path forward. Our Specialist Consultants will show you every option — for free.

Get Free Consultation 📞 (516) 336-9293
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