Understanding foreclosure, one plain-language guide at a time.
NFPGRP is an educational platform, not a law firm — nothing here is legal advice. These guides cover the process, the terms, and the options homeowners ask us about most.
September 27, 2026
How to Choose Foreclosure Help You Can Actually Trust
Not all foreclosure help is equal. Use this checklist to tell a trustworthy, user-friendly service from one that's just after your money, including us.
August 14, 2026
VA Partial Claim & Foreclosure Protections for Veterans
Servicemembers and VA borrowers have protections other homeowners don't, including a brand-new VA Partial Claim Program. Here's how it works and who to call.
July 25, 2026
Renting After Foreclosure: What Landlords Actually Check
A foreclosure doesn't automatically show up the way you'd expect on a rental application — here's what screening actually checks, and how to talk about it.
July 3, 2026
What Actually Happens on Foreclosure Auction Day
Auction day is more procedural than dramatic. Here's who actually runs the sale, who can bid, and what a no-bid outcome really means for homeowners.
June 16, 2026
Foreclosure Rescue Scams to Watch For
Foreclosure rescue scams follow a pattern. Here is how to spot the red flags before they cost you your home or your savings.
May 29, 2026
How to Read Your Mortgage Servicer's Letters Without Panicking
Learn to tell routine servicer mail from letters that truly need action, and why a simple paper trail brings real peace of mind.
May 11, 2026
HUD-Approved Housing Counseling: What It Is and Why It's Free
HUD-approved housing counseling is real, free, and government-vetted, and it fits alongside NFPGRP's own resources, not instead of them.
April 24, 2026
Is Forgiven Mortgage Debt Taxable? What Changed in 2026
The federal break for forgiven mortgage debt largely ended with 2025. Here's what that means, which exceptions remain, and what to check before you file.
April 7, 2026
Deficiency Judgments: Can the Bank Come After You for More?
Can the bank still bill you after a foreclosure sale? It depends on your state, and it's worth asking before you sign anything.
March 19, 2026
How Soon Can You Buy a Home Again After Foreclosure?
Foreclosure isn't the end of homeownership. Here's what the waiting period really looks like, and how to use it well.
March 3, 2026
What Foreclosure Actually Does to Your Credit Score
Foreclosure can hit your credit score hard, but the number that shows up today isn't the same as the one you'll have in a few years.
February 13, 2026
Can Filing Bankruptcy Stop a Foreclosure?
Bankruptcy can pause a foreclosure sale through the automatic stay, but whether it helps you keep your home depends on which chapter you file.
January 28, 2026
What Is a Redemption Period, and Does Your State Have One?
A foreclosure sale isn't always the final step: some states let you reclaim the home after, but the rules vary widely by state.
January 12, 2026
Deed in Lieu of Foreclosure, Explained Simply
Handing back the keys isn't the same as clearing the debt — here's the deficiency-waiver question to ask before agreeing to a deed in lieu.
December 22, 2025
Short Sale vs. Foreclosure: Which One Protects Your Credit More?
A calm, plain-language comparison of how a short sale and a foreclosure tend to affect your credit and your next loan application.
December 9, 2025
Forbearance vs. Loan Modification: What's Actually Different
Forbearance and loan modification solve different problems: here's what separates them, and the trap of hitting the end date with no plan.
November 21, 2025
Loan Modification 101: Can You Actually Keep the House?
Loan modification and refinancing solve different problems — here's what a modification really changes, and who tends to qualify.
November 5, 2025
How Long Does Foreclosure Actually Take? A Realistic Look
Foreclosure can take a couple of months or well over a year: here's what actually shapes your timeline, and why no one can promise an exact date.
October 20, 2025
Judicial vs. Non-Judicial Foreclosure: Why Your State Changes Everything
Court-supervised lawsuit or out-of-court sale? The path your state uses changes your timeline, notice, and options — here's how to find out which is yours.
October 2, 2025
Notice of Default Explained: What It Actually Means
A Notice of Default feels like the end, but it's usually just one step in a longer timeline, and here's what it actually means and what to do next.
September 18, 2025
What Happens When You Miss Your First Mortgage Payment
Here's what actually happens in the first 30-90 days after you miss a mortgage payment, why it isn't foreclosure yet, and why calling your servicer early helps most.