Losing a loved one changes everything. If you are a single mom who recently lost your husband, the emotional and financial strain can feel overwhelming. On top of grieving, you might be dealing with unpaid bills, missed mortgage payments, and even tax issues. If you are falling behind and have received notices about pre-foreclosure, it may feel like there is no way out.
But here is the truth — you have options. And the more you understand your situation, the better decisions you can make for your family.
Below are five important things you should know about pre-foreclosure, your rights, and the steps you can take to protect yourself.
1. Pre-Foreclosure is a Warning, Not the End
When a homeowner falls behind on mortgage payments, the lender will usually start the pre-foreclosure process before officially foreclosing on the property.
Pre-foreclosure means:
- You have missed payments
- Your lender has sent you notices
- Legal action is being prepared
While this sounds alarming, it’s not the same as foreclosure. You still own your home, and you still have time to:
- Catch up on payments
- Negotiate with your lender
- Explore other options to protect your home
Tip: Acting quickly during pre-foreclosure can make a big difference. Waiting too long limits your options.
2. You Still Have Legal Rights as a Homeowner
Even if you are behind on your mortgage and taxes, you still have rights. Lenders must follow legal procedures before foreclosing.
You have the right to:
- Receive written notice of your default and amount owed
- Be given a set timeframe to catch up on payments
- Request a loan modification or other options
- Be free from harassment or illegal collection practices
Tip: Speak to a housing counselor or foreclosure attorney early. Knowing your rights gives you more control.
3. Falling Behind on Taxes Can Make Things More Urgent
Mortgage issues are stressful enough, but unpaid property taxes can make the situation worse. In some states, unpaid taxes can lead to:
- A tax lien being placed on your home
- Your home being sold at a tax auction
Important: A tax sale can happen before a mortgage foreclosure, which means you could lose your home faster than expected.
Tip: Contact your county tax office to see if you qualify for a payment plan to stop a tax sale.
4. You Have Multiple Options to Avoid Foreclosure
Even if your finances feel overwhelming, you have several possible solutions:
- Loan Modification – Adjust loan terms, reduce interest, or extend repayment
- Forbearance Agreement – Temporarily pause or lower payments
- Repayment Plan – Catch up on missed payments over time
- Selling Your Home – Pay off debt and keep any remaining equity
- Cash Offer from an Investor – Sell quickly to avoid a long foreclosure process
Tip: The sooner you contact your lender, the more likely they will work with you.
5. The Sooner You Act, the More Control You Keep
Delaying action can cost you more in:
- Late fees
- Interest
- Credit score damage
Taking steps early allows you to:
- Negotiate better repayment terms
- Stop foreclosure before it begins
- Preserve your credit score
- Sell your home on your own terms if needed
Tip: Even if selling is your best choice, doing it before foreclosure gives you cash to start fresh.
You Are Not Alone
Facing pre-foreclosure as a single mom is one of the hardest challenges you can face. But there is help available. The key is not waiting until it is too late.
📞 Take Action Now
If you are already in pre-foreclosure, call 1-689-234-4773 or click here to speak with someone who can help you understand your options today.