How To Stop Foreclosure On Your House

Want To Learn How To Stop Foreclosure Now?

So, are you in foreclosure and want to learn how to stop foreclosure now?  We’ve created free online guides to help homeowners just like you find out your options on getting out of the sticky situation you’re in right now.

You aren’t the first person to go through a foreclosure… and won’t be the last.  So don’t feel ashamed. It happens.

The best thing you can do right now is to educate yourself on your options.  For some people selling your home is the best option (we’ll make a fair all-cash offer on your house today, just let us know about your situation here <<), sometimes we’re able to help homeowners STOP FORECLOSURE completely, and sometimes there are other options.  So, click one of the buttons above to get your free foreclosure guide.

How to Stop Foreclosure in Tennessee: Your Step-by-Step Guide

Facing foreclosure can feel overwhelming, but Tennessee homeowners have real options. Whether you’ve just received a foreclosure notice or you’re trying to avoid falling behind, this guide explains how to stop foreclosure in Tennessee—including legal options, free programs, and smart next steps.

Understand Your Rights After a Foreclosure Notice in Tennessee

First, if you’ve received a foreclosure notice, don’t panic. In Tennessee, you typically have at least 20 days’ notice before a home is auctioned. During this time, you still have rights, including the ability to reinstate your mortgage or explore alternatives.

Many people ask, “What rights do I have after a foreclosure notice in Tennessee?” You have the right to:

• Cure the default by paying past-due amounts plus fees
• Apply for a loan modification or forbearance
• Seek help through state and nonprofit foreclosure assistance programs

Tennessee Foreclosure Reinstatement Process Guide

If you can catch up on missed payments, the Tennessee foreclosure reinstatement process may help you avoid losing your home. This option allows you to pay the arrears (missed payments, late fees, legal costs) in full, restoring your loan to good standing.

Some lenders may allow reinstatement up to five days before the foreclosure sale. Contact your mortgage servicer early to explore this route.

Explore the “Keep My Tennessee Home” Program

One lesser-known option is the Keep My Tennessee Home program—a state-supported initiative that helps struggling homeowners avoid foreclosure. This program provides:

• Mortgage payment assistance
• Help with catching up on delinquent payments
• Counseling to explore all foreclosure alternatives

Eligibility often depends on income, financial hardship, and current loan status. To apply, contact the Tennessee Housing Development Agency (THDA) or visit thda.org.

Use Chapter 13 Bankruptcy to Delay Foreclosure

If other solutions fail, filing Chapter 13 bankruptcy can legally delay foreclosure and allow you to reorganize your debts. This is often a last resort, but for many Tennessee homeowners, it provides the breathing room needed to catch up over time.

Chapter 13 puts an automatic stay on foreclosure proceedings—meaning your lender can’t sell your home while the bankruptcy is in effect (unless they get special court permission).

Avoid Foreclosure Rescue Scams in Tennessee

Desperate times can attract shady actors. Be careful with anyone who demands upfront fees or “guarantees” to stop foreclosure. One important thing to learn is how to avoid foreclosure rescue scams in Tennessee.

Look for help only from certified housing counselors, legal aid, or official THDA programs. You can verify legitimate assistance through HUD-approved housing agencies.

Final Thoughts

Stopping foreclosure in Tennessee is possible—but it requires acting quickly and understanding your options. Whether it’s the Tennessee foreclosure reinstatement process, loan modification, or using Chapter 13 bankruptcy to delay foreclosure, help is available.

Start by contacting your lender and a housing counselor. And remember: programs like Keep My Tennessee Home exist to protect you from losing your home.