If you're facing foreclosure, we understand what you're going through. We've experienced the fear, the frustration, and the pressure firsthand. At White Harvest Properties, we're here to help—not to judge. You deserve to understand your options, take back control, and find a solution that works for you.
If you're facing foreclosure it can be a challenging and stressful experience, and we want to extend our support by offering potential solutions that may help.
My house (Kiera) was foreclosed on when I was a child and I remember how impactful it was on me. My dad had lost his job 3 times in one year when the market had crashed. I watched how hard it was for my parents. How embarrassed they were that they were losing the home they had worked so hard for. It is truly something to avoid. This is not your fault! Our primary goal is for you to be able to stay in your home. I want to make sure you are aware of resources that may be helpful during this time.
If you have tried all of these resources, as a last resort we are interested in purchasing your property and may be able to provide you with a quick and hassle-free sale. Selling your home before foreclosure is finalized could help protect your credit and provide you with financial relief. Our goal is to work with homeowners to find solutions that best fit their needs.
If you’re open to discussing a potential sale or need more information on your options, we would love to speak with you. There’s no obligation, and I want to ensure that you make the best decision for your situation. Please feel free to call or email me at your convenience.
Foreclosure can feel confusing, especially if you’ve never been through it before. Here’s what typically happens in Alabama:
One option is the Alabama Housing Finance Authority (AHFA) through its Mortgage Assistance Alabama (MAA) program. This program offers financial support to eligible homeowners struggling due to hardship. To qualify, the home must be your primary residence in Alabama, and income and hardship documentation are required. You can learn more at mortgageassistancealabama.com or call 1-888-460-9977. (Click to visit site)
Another helpful option is speaking with a HUD-approved housing counselor. These trained professionals can assist you in understanding your foreclosure notice, communicating with your lender, and exploring options like loan modification or forbearance. You can search for a local counselor using the HUD Housing Counseling Lookup or call 1-800-569-4287. Some trusted agencies in Alabama include Neighborhood Housing Services of Birmingham, Community Action Agency of North Alabama, and United Way of Central Alabama.
If you need legal guidance, Legal Services Alabama (LSA) offers free or low-cost legal assistance to homeowners facing foreclosure. Their team can provide legal advice, foreclosure defense, and representation to help you better understand your rights. Visit legalservicesalabama.org or call 1-866-456-4995 for more information. (Click to visit site)
Lastly, if you're dealing with issues related to mortgage insurance or lender-placed insurance, the Alabama Department of Insurance may be able to help. They can guide you through your options and rights. You can visit aldoi.gov or call 1-800-433-3966 for assistance. (Click to visit site)
There’s no pressure, no judgment—just a conversation with people who truly care.
