How close is the sale?
Deadlines matter. A scheduled auction date can materially limit available actions.
YOUR OPTIONS
Your foreclosure timeline changes what is possible.
Start with the stage you are in. The earlier the review begins, the more time there may be to evaluate available alternatives.
01
Behind on payments / notice received
If keeping the home is the priority, contact the mortgage servicer promptly and consider a HUD-approved housing counselor or qualified attorney for loss-mitigation and legal options.
Start keep-home review →02
Foreclosure active / auction approaching
If selling becomes the practical path, ICONIQ's Equity Protection review evaluates timing, estimated value, debt, title, condition, and whether a voluntary market sale appears feasible before the scheduled sale.
Explore Equity Protection →03
Auction completed
If the property sold for more than amounts legally paid from the sale proceeds, excess proceeds may exist. Rights and procedures vary by jurisdiction and competing claims.
Explore Surplus Recovery →DECISION PRINCIPLES
What determines the path?
What may be available?
Estimated market value is compared with mortgages, liens, taxes, selling costs, and other obligations.
Can ownership be resolved?
Probate, bankruptcy, judgments, co-owners, and title defects can affect both sales and surplus claims.
What does the owner want?
Staying, selling voluntarily, and post-auction recovery require different workflows.
START WITH THE FACTS