What this means for the homeowner.     Foreclosure is a very serious situation. Payments on your mortgage have fallen behind enough that creditor’ s have requested that your local county sell your home on the court house steps. Unfortunately many homeowners who allow their home to go to auction rarely end up with any money and loose all of their equity.     Foreclosure will also scar your credit report for 7 or more years which will prevent you from buying a home in the future.     The foreclosure process offers a very small window of opportunity to be helped. Time is of the essence, if you are facing foreclosure call us immediately so we can correct the problem.     Some realtors will attempt to convince you that listing your home is the best choice. This is untrue because selling a house can take months of showing the property, by the time a sale could occur it may be too late.     Under no circumstance should you abandon your home. Leaving a property vacant will only make the situation worse. If foreclosure is looming over your head, call the experts we are available 24/7.