A job loss can happen to anyone. But it doesn't have to cost you your home. HOAPnet's certified specialists help you understand every option — loan modification, forbearance, or a fast cash sale — completely free.
You are not alone. These are the most common scenarios we handle every day:
Sudden job loss with no warning. You were current on payments — now you're not sure how long your savings will last.
Your entire department or facility shut down. Finding new work in your field takes time you may not have.
Seasonal slowdowns, lost clients, or economic downturns hit self-employed homeowners especially hard.
Still working but income has dropped significantly. Not enough to cover the full mortgage payment anymore.
You tried to hold on, but the savings are nearly gone and foreclosure is now on the horizon.
The lender has started the process. This feels terrifying — but there is still time to act and we can help right now.
Understanding how quickly things move helps you act before it's too late.
Lender charges a late fee (usually 10–15 days grace period). Your account is now delinquent.
First missed payment reported to credit bureaus. Credit score begins to drop.
Lender sends formal Notice of Default. This is when most homeowners first call us. You still have options — but act NOW.
⚠️ If you've received a Notice of Default, call (516) 336-9293 immediately.
Lender files foreclosure with the court. Process varies by state — some states move faster than others.
If a foreclosure sale date is set, you may have very little time. A quick cash sale or emergency loan modification can still stop it — but only if you act today.
HOAPnet presents every available option — we never pressure you toward any one path.
A Specialist Consultant will call you within 24 hours. Completely free, no obligation, no pressure.
"I was laid off in January and by March I was two payments behind. HOAPnet got me into a forbearance plan within a week and I never missed another payment. I still have my house."
"My business collapsed during the pandemic. I had to sell but I didn't want repairs or showings. HOAPnet arranged a cash sale in 11 days. I walked away with $40K and my credit intact."
"I waited too long and got a notice of default. I thought it was over. HOAPnet stopped the foreclosure with a loan modification literally days before the deadline."