Behind on your mortgage? You’re not alone. The good news is: you have options. The question is, which one works best for your situation?

Quick Breakdown

• Short Sale: Best overall — less credit damage, relocation help, faster fresh start.
• Deed in Lieu: Fast and private, but limited.
• Foreclosure: Worst option — damaging, stressful, public.
• Loan Modification: Helpful for short-term hardship, risky for long-term issues.

House Karma’s Take

We’ve seen it time and again: a short sale offers the best balance of relief, control, and recovery. It lets you move forward without the crushing weight of foreclosure.

Here are some common FAQs: Is it better to act early or to wait? How do I know if I qualify for these options? Which option is the best for my situation? How much does it cost to explore my options? Can I sell my home normally if I’m behind on payments?

Bottom line: Don’t wait until it’s too late. Knowing your options — and acting early — makes all the difference.

Ready to figure out your best path forward? House Karma can review your situation, explain your options clearly, and guide you step by step. No cost, no pressure — just real answers. [Start Here →]