YOUR HOME. YOUR EQUITY. YOUR OPTIONS.
Explore your options before or after foreclosure. Start with your situation, and see which next steps may be available.
Choose the stage that matches your situation today.
BEFORE THE FORECLOSURE AUCTION
If keeping the home is no longer practical, ICONIQ can review timing, debt, liens, condition, and potential equity to determine whether a voluntary market sale may preserve available net equity.
PATH 01 · KEEP YOUR HOME
When staying is the goal, timing is critical. Review the foreclosure stage and identify lender, legal, housing-counseling, or other resolution channels that may still be available.
PATH 02 · ICONIQ EQUITY PROTECTION
If keeping the home is no longer practical, ICONIQ evaluates value, debt, timing, condition, and transaction costs to determine whether a pre-foreclosure market sale may preserve available net equity.
PATH 03 · SURPLUS RECOVERY
ICONIQ reviews the sale, judgment, ownership history, liens, and public filings to determine whether potential excess proceeds exist and whether a recovery path warrants further review.
THREE PATHS. ONE OBJECTIVE.
Your options change as the foreclosure timeline advances. Start with the stage that matches your situation today.
KEEP YOUR HOME
If remaining in the property is your priority, the first step is understanding the foreclosure timeline and whether lender, legal, housing-counseling, or other resolution options may still be available.
Explore this path →
SELL BEFORE FORECLOSURE
If keeping the home is no longer practical, a sale before the foreclosure auction may allow you to pay off qualifying obligations, capture available equity, and avoid having the property itself sold through foreclosure.
Explore Equity Protection
SURPLUS RECOVERY
If the property has already been sold at foreclosure, excess proceeds may exist when the sale generated more than the amounts legally required to be paid from those proceeds.
Explore surplus recovery →ILLUSTRATIVE RESIDENTIAL PHOTOGRAPHYREAL PROPERTY. IMPORTANT DECISIONS.
Whether you're trying to stay in your home, sell before the auction, or understand what happened to remaining equity, the right next step starts with your property and your timeline.
WHAT TO EXPECT
Start with the basics. We'll focus on understanding the property's foreclosure stage and your objective, then identify what may warrant a closer review.
Begin Private ReviewShare the property location, current foreclosure stage, and your goal.
We consider the timeline and relevant property or public-record information.
Understand which options may merit further review and when qualified legal advice may be necessary.
ICONIQ Foreclosure Education
What happens to your equity if your home is sold at foreclosure? Watch our short educational video to learn why excess sale proceeds may exist and why eligibility depends on the specific case and applicable law.
Explore our homeowner education content across our social channels. Videos provide general information, not legal or financial advice.
PRIVATE SITUATION REVIEW
Tell us about the property, the foreclosure stage, and your objective. We'll use that information to determine which path may warrant further review.