🏠Foreclosure Prevention: What You Can Do Before It’s Too Late

By Jonah Wilson | National Overages Finders Alliance (NOFA)

"Business Is Service."

If you're behind on your mortgage—or know someone who is—**you are not alone**. Thousands of Texas families face foreclosure every year, not because they’re careless, but because life happens: job loss, medical debt, rising bills, or just bad timing.

The good news? **Foreclosure doesn’t happen overnight.**

And the law gives you options to fight back—if you act early.

⏳Understand the Timeline

In Texas, foreclosure can move fast—especially **nonjudicial foreclosures**. Here’s a simplified version of how it plays out:

* **Missed Payments** → Lender sends **Notice of Default**

* **20 Days Later** → Lender can issue a **Notice of Sale**

* **21 Days After That** → Home can be sold at auction on the **first Tuesday of the month**

That’s just **41 days** between the first warning and losing your home.

But during that window, you still have rights—and options.

🛠️ Explore Your Options

Don’t ignore the mail or avoid phone calls. Instead:

* **Request a loan modification** (lower payments, new terms)

* **Apply for forbearance** (temporary pause on payments)

* **Refinance** with a different lender

* **Sell the property** before the auction and walk away with equity

* **File bankruptcy** (if needed, to halt the process and reorganize debt)

The key? **Talk to someone who understands the process**.

At NOFA, we’ve helped dozens of families find the right legal or financial move before it’s too late.

🤝 Don’t Fight Alone

The system is designed to be confusing. Lenders count on fear and silence to speed things up. But you're not powerless.

We connect homeowners with:

* Foreclosure defense attorneys

* Mortgage workout specialists

* State and nonprofit resources

* Exit strategies that protect your dignity and your family’s future

What If the Home Is Already Lost?

If your home was sold at a foreclosure auction, that doesn’t mean the story is over. In many cases, the home sells for **more than what was owed** on the mortgage. That leftover money is called an **overage** or **surplus**.

And that money could still be rightfully yours.

✅ NOFA Can Help

At National Overages Finders Alliance (NOFA), we don’t just chase money—we advocate for people. Whether you’re trying to save your home or figure out what happened after the auction, we walk with you every step of the way.

📞 Call us: 866-800-6632 (NOFA)

📧 Email: info@Overages.us

🌐 Visit: https://Overages.us

You still have options. And you still have rights.

Let’s talk.