Are there any alternatives to foreclosure? Fortunately, yes. And these days and times, and that there’s been a hold put on foreclosures if it’s a federally insured loan. So the first matter that you may want to consider, if you’re going into foreclosure is to contact your lender and see about getting them mortgage modification, and they may be willing to work with you as far as modifying the mortgage, reducing your payments, taking your rearages and put them on a, as I say, the backend of the loan or, including them in the loan amount. In order to do that, you would of course, have to have a job and send them your financial information and your expenses. If that, if you’re an unable to get a modification, you might want to consider what they call a short sale that the mortgage is for more than what your property is worth. You can sell the property and the lenders may take the net proceeds and, and satisfy the loan. Now the property is worth more than what the loan is. Well, then the solution of course, is just to sell the property, pay off the mortgage. And that way you don’t have to worry about a foreclosure action and you can sell your property any time prior to the property being sold at judicial sale. So just because they file a foreclosure action doesn’t mean that you can’t still sell your property. Another approach or another alternative to foreclosure is to do a deed and deed the property back to your lender. The lender must agree to do that. As far as that’s concerned is called a deed in lieu of foreclosure. If you’re also none of these work above and, and you want to work with your lender, in particularly if there’s a second mortgage, then you can work with your lender. As far as a stipulations concern that they take back the property. However they don’t seek a deficiency judgment, meaning if their property is worth less than the mortgage, they don’t try and sue you for the difference. So those are some of the alternatives to foreclosure. If you have any questions, you can give me a call at (727) 847-2288.