Ex-Chase & Wells Fargo · HUD Approved · Free to Homeowners

Your Bank Has
A Plan.
Do You?

Your bank has a team working against you right now. We're the insiders who used to run it.

Auctions stopped in 48 hours. Even if yours is Monday.
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What Your Bank
Is Not Telling You

Written by Steve Madin after 27 years inside Chase and Wells Fargo — the man who ran the same departments that are now deciding your fate. This isn't legal boilerplate. It's what he wishes someone had handed to homeowners before they called their bank.

All 6 of your options — explained in plain English
Loan mod, forbearance, short sale, cash sale, deed-in-lieu, and bankruptcy. What each one actually costs you.
The #1 mistake that eliminates most options overnight
Most homeowners make it within the first 72 hours. It's not what you'd expect.
What your bank is legally required to offer — but won't
Programs the servicer has no financial incentive to volunteer. Named, page-referenced, real.
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4,700+ homeowners have read this guide before calling us.
Many said it was the first time they truly understood their situation.
⚠ Read This Before You Call Your Bank
📋
There Are More Options
Than Your Bank
Is Telling You.
By Steve Madin · 27 Yrs Bank Insider

6 options explained plainly — what each one costs, and the mistake that eliminates most of them.

Or speak with a specialist — (682) 610-0007 · Always free
Free · 2-Minute Assessment

Which options are still open for your home?

1,800+
Auctions stopped
4,200+
Families helped
Free
Always
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72 homeowners reviewed their options here this week
4.9  ·  184 reviews
7
Options still open for you
All 7 options available
Getting started
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Closed for your case
None yet — answer to see options ruled out in real time.
Checked against
HUD Freddie Fannie CFPB RESPA HAMP
Lenders & Servicers We Have Successfully Negotiated Against Every one of these institutions has tried to take a family's home. We stopped them.
Watch Alfredo's Story
Client Testimonial

"I Called on a Friday.
My Auction Was Monday."

"I had given up hope. Three months of calls to my bank, nothing but hold music and empty promises. A neighbor mentioned National Home Support. Daniel picked up on the first ring — no voicemail, no call center. He treated me like family from the very first sentence. By Sunday night, the sale was postponed. I still live in my home today."
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Alfredo H.
Houston, TX · Auction stopped with 36 hrs to spare
★★★★★ Verified Google Review
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Real Families. Real Outcomes.

★★★★★
4.9 average · 184 verified Google reviews · BBB A+
Why Our Services Are Always Free to Homeowners

Our services are 100% free to every homeowner we work with — always, at every stage. Our fee is covered through HUD-affiliated arrangements and third-party partnerships. What we do — reviewing your options, advocating on your behalf, and guiding you through the process — costs you absolutely nothing. Your lender knows how to work with us. That relationship is what makes this possible.

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Why We Are Different
Steve Madin, Owner and Founder of National Home Support
Steve Madin
Owner & Founder — Former Bank Loss Mitigation Manager
Chase — 8 YearsWells Fargo — 5 Years1,800+ Auctions Stopped

27 Years on the Inside.
Now Fighting for Families.

I spent 27 years making the decisions that kept families in their homes — or didn't. Now I know exactly how to fight back. And I use that knowledge for you.

Steve used to be the person banks called when families were in trouble. He ran loss mitigation at Chase and Wells Fargo. He knew the deadlines, the escalation paths, the language that actually moves things. He watched good people lose their homes because they didn't understand the system — or didn't know they had options.

At some point, it got hard to sleep.

Today, National Home Support is a real family operation. Steve leads the fight alongside his daughter Rachel — a foreclosure prevention specialist who grew up hearing his stories from the other side of the table. They work with Daniel, Sofia, and a small team of specialists, all trained inside those same bank systems we used to protect. Now we use that insider knowledge to fight for families instead of against them.You get access to that insider playbook — and it costs you nothing.

Family-owned since 1999. When you call, you reach a real person who knows your situation. Not a script. Not a bot. Someone who gets it — because they've lived it.

✓ No Credit Check ✓ 100% Free — Covered by HUD ✓ No Monthly Charges ✓ No Hidden Costs ✓ Covered by HUD

Real Outcomes. Real Families.

★★★★★ 184 Google Reviews
✓ BBB A+
1,800+ Auctions Stopped
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Marcus T.
Tampa, FL — Auction in 48 hrs
✓ Auction stopped — 14 hrs after first call

"Steve picked up at 10pm. By morning it was stopped. I didn't think anyone could do anything at that point."

★★★★★
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James W.
Dallas, TX — Ready to walk away
✓ $38,000 cash at closing · Credit intact

"I had no idea I could walk away with anything. The bank never once mentioned this was possible."

★★★★★
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Donna L.
Cleveland, OH — 11 days to sale
✓ Auction postponed same afternoon

"The bank kept saying it looked good. That one question — 'Is it in writing?' — saved my house."

★★★★★
Cost of delaying foreclosure action
$150+
Bank fees per day
7 yrs
Credit damage after auction
60%
Loan mods default again
The Cost of Waiting

What the Bank Is Doing
Behind Your Back Right Now

Legal fees compound daily. By the time most homeowners call, they owe $10,000–$15,000 more than they realize.
A verbal approval means nothing. Banks run two departments simultaneously. Without written rescission, the clock has not stopped.
The 7-year scarlet letter. A completed foreclosure damages your credit for 7 years. Banks can sue for the deficiency — garnishing wages for years.
Every week closes a door. Options available today may be completely gone in 30 days.
Speak With a Specialist — Stop the Clock
The Real Cost Nobody Talks About

Your Credit Is Worth
More Than Your Cash.
Foreclosure Destroys Both.

Losing a home isn't just about losing a house. It's about what happens to the rest of your financial life for the next decade.

7 yrs
A foreclosure stays on your credit report — mandatory, no exceptions
100–150
Points your credit score drops from a single missed mortgage payment
90%
Of rental landlords in major markets run credit checks and decline foreclosures
3–7 yrs
Wait to buy another home after foreclosure — even with perfect credit after
You won't be able to rent in most cities. Background checks flag foreclosure automatically. In markets like Dallas, Tampa, and Atlanta, over 90% of units require credit above 620.
Your employer may see it. Jobs requiring financial responsibility or security clearances run credit checks. A foreclosure can cost you a job offer years later.
An unexpected IRS bill. If the bank forgives a deficiency balance, the IRS may treat it as taxable income. A $60,000 forgiven debt can generate a $14,000+ tax bill in January.
Car loans, credit cards, insurance — all affected. Auto loan rates jump to 18–24%. Credit cards drop to $500 limits. Even car insurance goes up.
What Actually Happens After Foreclosure — Real Timeline
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Composite of 40+ Real Cases
Had a home, a car, decent credit — before the auction
Auction Day
Home sold. Credit score falls 140–160 points overnight. Receives eviction notice within 3–14 days depending on state.
Week 2
Apartment applications rejected. Applied to 6 units — rejected by all. Two offered a room with a $4,000 deposit. "High risk tenant" on every check.
Month 2
Bank sues for deficiency judgment. Home sold for $47,000 less than balance owed. Collections calls start. Wage garnishment threatened.
January
IRS Form 1099-C arrives. Forgiven debt treated as $47,000 in taxable income. Unexpected tax bill of $11,280. No savings to cover it.
Year 3
Still renting from family member. Auto loan at 22% APR. Credit cards capped at $300. Cannot qualify for a new mortgage for 4 more years.
This is still preventable
Every step in this timeline
stops the moment you call.
Free · No obligation · Daniel answers personally
I'm Ready To Save My Credit!
Available 24/7 · 1,800+ auctions stopped · HUD Approved
The Foreclosure Timeline

Where Are You Right Now?

Your options change dramatically at every stage. Tap the card that matches your situation.

👇 Tap the card that matches where you are right now
1
Options Open
I'm Behind on Payments
30–90 days late. Letters arriving. Catching up feels impossible.
Options:
2
Narrowing Fast
I Got a Legal Notice
Notice of Default arrived. Papers look scary. I don't know what they mean.
Options:
3
URGENT — Act Now
I Have an Auction Date
A sale date is set. The clock is visible. I'm running out of time.
Options:
4
Call Before Anything
My House Already Sold
The auction happened. I thought it was over. I didn't know who to call.
Options:
🏦
"You've heard it — the house always wins. In foreclosure, the bank is the house."

They don't care that you're a single parent working two jobs, or that a medical bill blindsided you. They have a legal team and deadlines engineered to move faster than you can react. Waiting for them to help you is the most expensive mistake homeowners make. We know their system from the inside — and we use it against them.

Confidential Information

Did Your House Already
Sell at Auction?
We Can Still Help.

Most people believe the auction gavel ends the story. In certain situations — remedies we cannot detail publicly — there are post-sale options your bank has no interest in you knowing about. Call us before you do anything else. What happens in the next 48 hours may still matter.

Talk to Our Asset Recovery Specialist — Confidential & FREE
Statutory Redemption Window
Select states allow reclaiming the property after auction. Most homeowners are never told this exists.
Deficiency Judgment Defense
If the sale was short, the bank may sue for the difference. Legal defenses exist — but only if pursued now.
Equity Recovery Strategies
In certain cases, equity built before auction can still be partially recovered through channels banks never advertise.
Foreclosure Help — Answered Honestly

Frequently Asked Questions
About Stopping Foreclosure & Selling Fast

Real answers from an ex-bank insider. No jargon, no runaround — these are the questions we hear every day from homeowners across the US.

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Don't see your question? Talk to a specialist free.

Call Free
Urgent Situations & Sale Dates
For homeowners facing imminent auctions or post-sale questions
3 questions
1 I have a sale date in 5 days — is it actually too late to stop it?
Do not decide it's too late before you speak with a specialist. Our team has stopped foreclosure sales with as little as 48 hours remaining — not through luck, but through direct contacts inside major servicers' foreclosure departments that the public cannot reach.

Standard channels — your bank's 1-800 line, a general attorney, HUD counselors — cannot move fast enough in this window. The people with authority to issue a postponement order are in a completely separate internal department and do not take calls from homeowners.

We have relationships built over 13 years inside Chase, Wells Fargo, Bank of America, and other major servicers. When there are 48–72 hours left, those relationships are the only thing that matters.

Call (682) 610-0007 right now. Every hour counts.
No. This is the single most dangerous misconception we encounter. Your bank's loss mitigation department and its foreclosure legal department are two completely separate teams that do not communicate. Dual tracking — running both a modification review and a foreclosure simultaneously — is standard bank practice.

The customer service rep telling you things look good has no visibility into the foreclosure legal timeline. We have personally witnessed homeowners receive "your modification is progressing well" calls the same week their home sold at auction.

Unless you have a signed, written Rescission of Notice of Default from the foreclosure department — not verbal confirmation, not a customer service email — your auction clock has not stopped.

Call us to verify in 15 minutes. It could save your home.
In certain situations — yes. Most homeowners believe the auction gavel ends everything. It does not always.

Statutory Redemption: Many states allow homeowners to reclaim their property after the auction by paying the sale price within a set window. Most homeowners are never told this exists.

Deficiency Judgment Defense: If your home sold for less than you owed, the bank may sue for the difference. Legal defenses exist — but only if pursued quickly before the bank files.

Wrongful Foreclosure Claims: If your servicer violated RESPA or CFPB dual-tracking rules during the process, post-sale remedies may exist.

Do not vacate. Do not sign anything. Do not accept any offer from the buyer. Call us within 48 hours of the sale.
Understanding the Foreclosure Process
Timelines, notices, and what your bank is actually doing
3 questions
The timeline varies by state but follows a predictable sequence:

Days 1–120 — Missed Payments: Default notices arrive. Bank attorney fees begin compounding at $150–$250 per day. Your loan is quietly referred to a foreclosure law firm — while customer service continues sounding helpful.

Day 121+ — Notice of Default: The bank accelerates your loan — you now owe the entire remaining balance immediately, not just missed payments. A public notice is filed. Typically 90–120 days before auction.

30–45 Days Before Auction — Notice of Sale: A sale date is posted publicly. Once posted, 99% of loan modifications are denied outright. Most earlier options are now gone.

Sale Date: The home is auctioned. Post-sale options vary by state.

The earlier you act, the more options remain. Call us at any stage and we'll tell you honestly where you stand.
Through direct access to bank departments the public cannot reach. This is not a marketing claim — it is a structural fact about how major mortgage servicers operate.

Our founder Steve Madin spent years as a Loss Mitigation Manager at Chase and Wells Fargo. He knows the internal decision-makers with authority to issue postponement orders — and the channels those orders actually flow through.

When you call a bank's 1-800 number, you reach customer service with zero authority over foreclosure timelines. When we contact a servicer on your behalf, we reach the internal department that does.

With 30+ days before sale: we may negotiate a modification, forbearance, or structured sale. With fewer than 7 days: we work the emergency postponement channel. We've done it with 48 hours left — but earlier is always better.
A Notice of Default is serious — but it's also the stage with the most options still available. Here's what to do right now:

1. Do not ignore it. The clock runs whether you engage or not. Most states require 90–120 days between a NOD and the auction — that time disappears faster than you expect.

2. Do not rely solely on your bank. Their loss mitigation team has no authority to stop the foreclosure legal timeline.

3. Document everything. Write down the date, time, and name of every call. Save every piece of mail. Written correspondence has legal significance that verbal conversations do not.

4. Call us before you call your bank back. Knowing what you're entitled to — and what not to say — significantly changes outcomes. Free 15-minute call: (682) 610-0007
Your Options & Alternatives
Modifications, bankruptcy, short sales, and walking away
4 questions
Loan Modification — A permanent change to your loan terms (lower rate, extended term, reduced principal). Does NOT stop an active foreclosure timeline unless you receive written confirmation from the foreclosure department specifically — not loss mitigation.

Forbearance — A temporary pause or reduction of payments (3–12 months). Missed payments are added to the end of your loan. Must be agreed to in writing before your sale date — verbal agreements have no legal force.

Short Sale — You sell for less than you owe, and the bank accepts the proceeds as full payment. Stops foreclosure, keeps the auction off your credit report, and you may walk away with no deficiency judgment. Requires bank pre-approval and proper timing.

Each carries different credit, tax, and legal implications. The right one depends entirely on your situation. Call us: (682) 610-0007
Chapter 13 is a temporary pause — not a solution — and it comes with serious trade-offs.

Filing triggers an Automatic Stay that halts foreclosure. But here's what attorneys often don't fully explain upfront:

• Your monthly payment typically increases — you're now paying the bankruptcy plan on top of your regular mortgage
• The Chapter 13 failure rate within 12 months exceeds 60%
• When dismissed, the bank can reschedule the auction faster than before
• Attorney retainers ($2,000–$4,000) consume resources that could fund better alternatives
• Bankruptcy stays on your credit report for 7–10 years

Chapter 7 does not let you keep the home in most cases. In most situations we see, there are paths that accomplish the same goal without the long-term damage. Call us before signing any bankruptcy paperwork.
Don't rely on it as your only plan. We've worked with dozens of homeowners whose funds arrived a day late, thousands short, or never came at all — while the bank continued advancing without pause.

Reinstatement requires paying every missed payment plus all accrued bank attorney fees — typically $3,000–$8,000 on top of back payments. The exact amount changes daily as fees compound. Banks are also specific about payment method and destination, and they can reject payment for procedural errors even the day before the sale.

Starting a backup plan doesn't mean reinstatement can't happen. It means you're protected either way. A 15-minute call costs nothing.
We understand — and we will never pressure you. But walking away without a plan creates consequences most people discover too late:

Credit damage — A foreclosure stays on your record for 7 years, affecting your ability to rent, finance a car, or get another mortgage.

Deficiency judgment — If your home sells for less than you owe, the bank can sue for the difference. In many states this leads to wage garnishment.

IRS tax liability — Forgiven mortgage debt is often treated as taxable income unless specific exclusions apply.

The alternative: We have helped homeowners in situations they described as "nothing left to save" walk away with $20,000–$45,000 through structured exits — deed-in-lieu agreements, negotiated short sales, and cash-for-keys arrangements the bank never volunteers.

A 30-minute call costs nothing. Walking away without knowing your options costs a great deal.
Cost, Fees & Timeline
What it costs and how fast we can actually move
2 questions
Zero. You will never write us a check — ever.

Our foreclosure intervention services are provided at no cost to you through HUD-approved fee structures. If we help you keep your home through a modification or forbearance — free. If we help through a structured sale — our fee is covered by the transaction, never by you.

You will never be asked for a retainer, upfront fee, or payment of any kind before, during, or after our work. This is not a bait-and-switch. It is how legitimate HUD-aligned loss mitigation consulting works.

The only thing that costs you anything is not calling.
In emergency situations — within 24 to 72 hours. We have issued postponements with 48 hours remaining. It is not common, and we do not recommend letting it reach that point — but we have done it.

In non-emergency situations (30+ days before sale):
• Loan modification review: 30–60 days
• Structured cash sale: 7–14 days
• Forbearance agreement: agreed in writing within days

What slows everything down: waiting, incomplete paperwork, and calling your bank's 1-800 line instead of the people who actually have authority.

What speeds it up: calling us first at (682) 610-0007 with your servicer's name, the date on any notice, and your property address ready.
Free · Confidential · Same-Day Response

Your Bank Has a Plan.
Do You Have One?

One text or call is all it takes. Our specialists have stopped auctions with 48 hours left. You won't know what's still possible until you ask.

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Steve's Team — NHS Specialist
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Active foreclosure situation detected — priority response