Stafford Realty Group • Helping You Make Your Best Move
Behind on Your Mortgage?
You Have Options.
Received a Notice of Default? Considering selling or a short sale? You deserve clear answers, a practical plan, and someone who will listen without judgment.
Request a Confidential Consultation Call Deborah: (916) 276-6510Complimentary initial consultation • No obligation to list your home
You don't have to figure this out alone.
Falling behind on mortgage payments can happen after a job loss, medical expense, family change, or other hardship. A Notice of Default can feel overwhelming, but it does not mean you have already lost your home.
The earlier you explore your options, the more time you may have to act. Whether you want to keep your home or believe selling may be the right choice, I can help you understand the real estate side of your situation.
What are your options?
Sell Before Foreclosure
If you have equity, a traditional sale may allow you to pay off your mortgage and potentially keep remaining proceeds after costs and obligations.
Explore a Short Sale
If you owe more than the home can sell for, your lender may consider approving a sale for less than the amount owed. Approval is not guaranteed.
Explore Keeping Your Home
Ask your mortgage servicer about repayment plans, loan modification, or other assistance. A HUD-approved housing counselor can also help.
What happens when you contact me?
Tell me where you are in the process and what outcome matters most to you.
We'll discuss estimated market value, mortgage payoff, timing, and possible selling costs.
You'll receive straightforward real estate guidance without pressure to list.
Experience matters. Compassion matters, too.
With more than 20 years in real estate, Deborah Stafford serves homeowners across Sacramento, Placer, El Dorado, Yuba, and Nevada counties. You'll receive a confidential, respectful conversation focused on your options—not scare tactics.
Email Deborah PrivatelyFrequently asked questions
Can I sell after receiving a Notice of Default?
Often, yes—if the transaction can close in time and the necessary liens and obligations can be addressed. Foreclosure deadlines matter.
Does listing my home stop foreclosure?
No. Listing your home or applying for a short sale does not automatically pause or stop a foreclosure sale.
What if I owe more than my home is worth?
A short sale may be worth exploring, but your lender must approve it. Ask qualified tax and legal advisers about potential consequences.
Is the first conversation free?
Yes. Your initial real estate consultation is complimentary, with no obligation to list.
Let's find a way forward.
Don't wait until your choices become more limited. Start with a conversation, not a commitment.
Call or Text (916) 276-6510Deborah Stafford · Stafford Realty Group
Better Homes and Gardens Real Estate · CA DRE #01436708
A Realtor you can trust, a neighbor who cares, and someone who wants to help.
Information is general and not legal, tax, or financial advice. Foreclosure timelines and short-sale outcomes vary. Consult your mortgage servicer, a HUD-approved housing counselor, and qualified legal or tax professionals as appropriate. No outcome is guaranteed. If you have a scheduled foreclosure sale, seek prompt advice regarding applicable deadlines.
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©2024 Better Homes and Gardens Real Estate LLC. Better Homes and Gardens Real Estate LLC. All Rights Reserved. Better Homes and Gardens®, the Better Homes and Gardens Real Estate Logo, BHGRE, Be Better and Expect Better are service marks owned by Meredith Corporation and licensed to Better Homes and Gardens Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each Better Homes and Gardens Real Estate office is independently owned and operated
