Terminal Phase: A Foreclosure Sale Date Has Been Filed

Time is short — but options still exist. Here’s how to act now.

This is the final phase. But even now, you have options. This page shows you how to delay the sale, pivot, or take back control fast.

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Video Lessons for This Stage

Notice of Trustee Sale:
What It Means and What to Do
View Transcript
Can You Still Sell Your Home
After Foreclosure Starts?
View Transcript
Emergency Help Before
Foreclosure Auction
View Transcript
The Foreclosure Auction:
What Happens If You Do Nothing
View Transcript

More Videos for This Stage

Future lessons will be added to this stage.

Coming Soon!

Helper Tools for This Stage

Sale Prep
Checklist

Get organized before selling or transferring ownership

Download Checklist

Auction
Delay Letter

Request a last-minute postponement in writing

Use This Letter

View More Tools for This Stage

Explore the full set of support materials

Open Tool Library

Official Resources for This Stage

HUD
Counseling Directory
Download PDF
Legal Aid
Defense Toolkit
Download PDF
Explore All Federal Docs for This Stage
View Full Library

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Next steps if your situation escalates

Learn what to do if things get worse

View the Terminal Phase