Q: What should I say when I call my lender?
A: Be honest and direct. Let them know you’re struggling to make payments and ask what options might be available. You can say something like, “I’m having financial difficulty and want to avoid foreclosure. Can we talk about solutions like forbearance or loan modification?” Lenders are required to review your hardship before moving forward with foreclosure.

Q: I’m embarrassed to admit I’m falling behind. Should I still reach out for help?
A: Yes. You are not alone, and there is no shame in asking for help. Life happens—job loss, illness, inflation, or unexpected expenses can hit any family. At Field and Vine Co., we’ve helped families in all kinds of situations, and we treat each one with compassion and confidentiality.

Q: Are homeowner assistance programs still available?
A: In many states, yes! Programs under the Homeowner Assistance Fund (HAF) are still offering grants or no-interest loans to help with mortgage payments, property taxes, and utilities. Availability and requirements vary by location, so check your state’s housing website or contact us—we’d be glad to help you look.

Q: Can renting out part of my house really help me avoid foreclosure?
A: Absolutely. Even an extra $300–$500 a month from a rental room can help cover missed payments or stay current. Many homeowners rent to students, traveling nurses, or use platforms like Airbnb. It doesn’t have to be forever—just long enough to catch your breath financially.

Q: What if I just can’t afford to keep the house anymore?
A: That’s okay. Selling before foreclosure is a powerful way to protect your credit and move forward without the stress of an auction or eviction. We offer fair, fast options to buy your home, often with no closing costs, fees, or repairs needed. You stay in control of the process, and we walk with you every step of the way.

Q: Will selling my home hurt my credit?
A: Selling before foreclosure typically has much less impact on your credit than going through foreclosure. In fact, many homeowners are able to qualify for a new home loan sooner because they chose to sell rather than let the bank take over. It's a smart, proactive step—especially when done early.

Q: What does Field and Vine Co. actually do?
A: We help homeowners explore every option available—whether that’s staying in the home, renting it out, or selling it before foreclosure. If selling is the right path, we offer fair, fast, and respectful home-buying solutions. No pressure. No judgment. Just clear options and support when you need it most.