Behind on Your Mortgage? You Have Options.
A CALM-certified advisor can help you understand your choices — whether that's keeping your home, negotiating with your lender, or selling on your terms.
Three Paths Forward
Every situation is different. Here are the most common options for homeowners facing financial hardship.
Keep Your Home
A loan modification can change the terms of your mortgage to make payments more affordable. There are also options like forbearance and repayment plans.
Learn about loan modificationsSell on Your Terms
If keeping your home isn't the right fit, a short sale lets you sell your property and move on — often with less damage to your credit than a foreclosure.
Learn about short salesUnderstand the Process
If you've received a foreclosure notice, it helps to know what comes next. Understanding the timeline gives you time to explore your options.
Learn about foreclosureWhat Is a CALM Advisor?
A CALM-certified advisor is a real estate professional who has completed specialized training in foreclosure alternatives, short sales, loan modifications, and working with lenders on your behalf.
Unlike a general real estate agent, they understand the specific processes and timelines you're dealing with. They know how to talk to your lender, what paperwork you'll need, and how to protect your interests every step of the way.
Find a CALM AdvisorEvery advisor in our directory holds verified CALM certification
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