FREE LIVE VIRTUAL WORKSHOP

Behind on Your Mortgage?
Understand Your Options
Before Foreclosure

Behind on Your
Mortgage?
Understand Your
Options
Before Foreclosure

If you're behind on mortgage payments, have received notices from your lender, or are worried you may not be able to keep up, this free workshop will help you understand your options and what steps may make sense for your situation.

FREE LIVE ONLINE WORKSHOP
Register free and we'll send you the details and reminders before the workshop.
Free educational workshop • No Obligation to Sell Your Home

UNDERSTANDING YOUR SITUATION

The Weight Of Uncertainty
Ends Here

Falling behind on a mortgage can feel overwhelming. The calls, letters and uncertainty about what happens next can make it difficult to know where to even start.

The important thing to understand is that falling behind does not automatically mean losing your home. Depending on your situation, there may be several options worth exploring, and the earlier you understand them, the more time you may have to make an informed decision.

This workshop is designed to help you understand the process, the questions you should be asking, and the different paths that may be available so you can decide what makes the most sense for you and your family.

  • Understand what may happen next and why timing matters

  • Learn about different options that may be worth exploring

  • Understand how your home's value and equity may affect your choices

Stressed homeowner reviewing financial documents in a modern home office with thoughtful concern

WHAT YOU WILL LEARN

Your Options. Your Timeline.

Your Decision.

In this free live workshop, you'll learn what may happen when mortgage payments are missed, what options may be worth exploring, and how your home's value and equity can affect the decisions in front of you.

🔒 Free live workshop · Q&A included · No obligation to sell your home

Module 01

Understand What Happens Next

Get a straightforward overview of what can happen after mortgage payments are missed and why understanding your timeline matters.

Notices and communications you may receive
Why acting earlier can create more options
Questions to ask your mortgage servicer
When it may make sense to seek professional guidance
Module 02

Understand the Options Available to You

Learn about some of the different paths homeowners may explore depending on their circumstances and what they're trying to accomplish.

Options that may allow you to keep the home
Selling the property before foreclosure
What happens when you owe more than the home is worth
When an attorney, housing counselor or other professional may be needed
Module 03

Understand Your Home's Value & Equity

Learn why your home's current market value and estimated equity can play an important role in determining which options may be available to you.

How to estimate your property's current market value
Understanding mortgage balances, liens and estimated equity
What a traditional sale could potentially look like
How timing can affect your available choices
Portrait of Marcus Vance, Senior Foreclosure Prevention Specialist and Housing Advisor

Meet Your host

Guided By Experience

Michael Haynes has spent nearly 8 years helping New Hampshire and Massachusetts homeowners navigate important real estate decisions. As a licensed real estate agent and owner of Haynes Realty Group, his role in this workshop is to help you better understand the real estate side of your situation so you can make an informed decision about what comes next.

This workshop isn't about convincing you to sell your home. You'll learn how your home's value, estimated equity, timing, and current market conditions can affect the options in front of you. When questions fall outside the real estate side of the situation, Michael will also help you understand when it may make sense to speak with your mortgage servicer, an attorney, a HUD-approved housing counselor, tax professional, or another qualified professional.

Michael Haynes

Real Estate Agent · Owner, Haynes Realty Group

A STRAIGHTFORWARD APPROACH

This Workshop Is About Your Options.

Not Selling You Something.

The goal is to help you better understand your situation so you can decide what makes the most sense for you and your family.

Keeping Your Home May Be an Option

Selling isn't automatically the answer. Depending on your circumstances, there may be options worth exploring with your mortgage servicer or another qualified professional before you consider selling.

Understand Your Options First

Selling May Protect Your Equity

If keeping the home isn't realistic, selling before foreclosure may allow you to protect some or all of the equity you've built. Your home's value, mortgage balance, liens, timing and selling costs all matter.

Know What Your Home Is Worth

You Don't Have to Decide Today

This workshop is educational. You won't be asked to sign an agreement or list your home. The goal is to help you understand the choices in front of you so you can make an informed decision.

Get Clarity Before Taking Action
Free Live Online Workshop

Understand Your Options.
Decide What Comes Next.

Join Michael Haynes for a free live workshop to learn what may happen when mortgage payments are missed, what options may be available, and how your home's value and equity can affect the decisions in front of you.

Reserve My Free Seat
100% Free  •  Live Online Workshop  •  No Obligation to Sell

Helping New Hampshire and Massachusetts homeowners understand the real estate side of difficult property decisions so they can make informed choices about what comes next.

Your Host

Michael Haynes

Real Estate Agent & Owner
Haynes Realty Group
Keller Williams Gateway Realty

DISCLAIMER: Michael Haynes is a licensed real estate salesperson and is not an attorney, tax professional, financial advisor, housing counselor, or mortgage professional. This workshop is provided for general educational purposes and should not be considered legal, tax, financial, lending, or foreclosure counseling. Every homeowner's circumstances are different. You may be encouraged to contact your mortgage servicer, a HUD-approved housing counselor, an attorney, tax professional, or other qualified professional regarding matters outside the scope of real estate services. No particular outcome is promised or guaranteed.
© 2026 Haynes Realty Group. All rights reserved.
Michael Haynes  |  Haynes Realty Group  |  Keller Williams Gateway Realty