S
Sam's Economics

Find out which door you're standing in front of

Map roughly where your timeline sits in the foreclosure process — and what's still workable from here.

Not legal advice. This tool gives a general, illustrative estimate based on common federal protections and typical timelines. Foreclosure law varies significantly by state and loan type. Always confirm your actual dates with your servicer's loss mitigation department or a free HUD-approved housing counselor.

Your situation

Answer as best you can — you don't need exact dates.

0300+ days
0180 days
Late fee assumed: 5% after a 15-day grace period
$500$6,000
YOUR LIKELY STAGE
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Adjust the fields on the left to see roughly where your timeline sits.

Days until the 120-day mark
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Missed payments + late fees
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37-day line before the sale
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What to do next

Based on your stage, here's the priority order.

    Get the full breakdown — every door explained, loss mitigation options at each stage, and a script for what to say on the call.

    Download the PDF guide

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    Defaults reproduce Naomi from the video: $1,600 a month, first payment missed 165 days ago, notice of default and notice of sale received, sale in 21 days. The amount shown is missed payments plus 5% late fees; foreclosure legal costs are extra and vary. Illustrative estimate only, not legal or financial advice. Actual foreclosure timelines and reinstatement rights vary significantly by state and loan servicer. Always confirm your specific dates directly with your servicer's loss mitigation department or a free HUD-approved housing counselor before making decisions.