Sell before the auction
The cleanest exit when there's equity. It clears the loan, protects your credit the most, and can end with money in hand.
Foreclosure & Distressed Sales
Behind on Payments?
You Still Have Options.
A calm, confidential review of what's actually possible — before the clock makes the decision for you. No judgment, no sales pitch, no charge for the first conversation.
The options
There are more ways out than most people are told.
Which one is real for you depends on your equity, your lender, and how much time is left. Here's the honest version of each.
Short sale
Selling for less than you owe with the lender's written agreement. Slower and heavier on paperwork, but far better than a foreclosure on your record.
Deed in lieu of foreclosure
You hand the keys back to the lender instead of going through auction. Some lenders will consider it — Cat helps you ask the question the right way.
Keep it, if the numbers work
A loan modification, refinancing, or a payment plan through your lender's loss mitigation team. Sometimes the house is still the right answer.
Rent it and breathe
If the payment is coverable with rent, holding the property can protect equity you'd otherwise lose. It depends on the math, not the wish.
Buy time the right way
Knowing the notices, the deadlines and the redemption window you still have — so nobody pressures you into a decision made in a panic.
This week
Three calls to make before anything else.
01
Call your lender and ask for loss mitigation in writing
Verbal promises disappear. Get the request on paper so the file shows you asked — it can change what happens next.
02
Book a free session with a HUD-approved housing counselor
They're independent of your lender, free of charge, and they explain your rights. Cat can point you to one this week.
03
Find out what the home would really sell for
That one number decides which options are actually open to you. Cat gives you a real, personalized review — not an automated guess.
Cat is a real estate agent, not an attorney, a loan servicer, or a housing counselor. She won't give legal or financial advice — she'll help you get in front of the right people fast, and handle the property side well.
Straight answers
The questions people are afraid to ask.
Can I still sell while in foreclosure?+
Usually yes, and it's often the cleanest way out. A sale that closes before the auction pays off the loan, protects your credit far better than a foreclosure, and can leave money in hand instead of nothing.
What is a short sale?+
The home sells for less than what is owed and the lender agrees to accept that payoff. It takes time, paperwork and lender approval that is never guaranteed — but it is far kinder to your credit than a foreclosure.
Will I have to leave right away?+
Not always. Depending on how far along things are and which option is in play, you may have months, not days. Timing matters here more than almost anything else, which is why the first step is finding out exactly where you stand.
Does this cost me anything?+
The first conversation and the options review are free. If you decide to list with Cat, the usual brokerage agreement applies — nothing extra for the extra hand-holding.
Client Love
Kind words from clients.
We didn't just buy a home with Cat, we sold our home as well, and at the same time. This was incredibly stressful, but Cat made it a breeze. Her professionalism, expertise, and warm personality set her apart. She worked tirelessly to ensure we felt confident and informed, and her negotiation skills were invaluable in securing our dream home.
Cat Morris is truly one of a kind as a real estate agent. She cares so deeply for her clients and treats every client like they are a member of her own family. She goes above and beyond to meet the needs of the transaction and to be as thoughtful and supportive as she can be. Cat has unparalleled attention to detail. Coupled with her expertise and market knowledge, Cat is the agent you want by your side!
No one works harder than Cat, she will do everything in her power for her clients, and we benefitted greatly. I even told her when we finalized our sales that I was truly sad I wouldn't have an excuse to talk to her daily… Not only did we feel taken care from the start, I found a friend and someone I can count on for life.
Free options review
Tell Cat where things stand.
She'll look at your situation, pull the real numbers on the property, and come back with the options you actually have — usually within one business day.
If it turns out selling isn't your answer, Cat will tell you that too, and point you to a HUD-approved housing counselor or an attorney.