How Foreclosure Counseling Can Help You Find a Way Forward

Let’s be real—when you’re behind on your mortgage, it can feel like everything is spinning out of control. The letters come nonstop. The phone calls feel endless. And most days, it’s like your options are shrinking fast.

I’ve had a lot of conversations lately with folks who just feel stuck in that exact place. And that’s why I wanted to talk a little about foreclosure counseling—what it actually looks like, and how we help people through it.

What Is Foreclosure Counseling?

Foreclosure counseling sounds formal, but in reality, it’s a conversation. When someone reaches out to us, the first thing we do is just listen. No pressure. We want to understand what’s going on—what’s happened, what’s keeping you up at night, and what you’re hoping for.

From there, we look at the situation together:

• How far behind are the payments?

• What’s the lender saying?

• What’s possible with your income, timing, or other life stuff?

And then we talk through options. Sometimes it’s a loan modification. Sometimes a repayment plan. Sometimes, it’s helping someone sell the house before foreclosure hits, so they can move forward on their own terms.

Every story is different. But the goal is always the same: clarity, calm, and a way forward.

A Story That Still Sticks With Me

Not long ago, we got a call from a woman in Mississippi. She thought it was too late. She’d already tried calling her bank but just kept getting the runaround. She was exhausted, overwhelmed, and convinced she had no options left.

We walked through everything with her, step by step. Got in touch with her lender. Helped her gather the right paperwork. Together, we were able to stop the foreclosure and give her space to breathe again.

That’s the part of this work I love—the moment when someone realizes they’re not alone and that something can actually be done.

(Read her full story here: How We Helped Stop Foreclosure for a Mississippi Homeowner—Even When It Felt Like It Was Too Late) 

What It’s Like to Work With Us

We keep it simple. We’re not lawyers or a big corporation—we’re just people who know this process inside and out because we’ve helped a lot of families through it.

When we talk, you can expect:

• Straight-up answers (even the hard ones)

• Ideas you might not have thought of

• Support dealing with the lender

• A clear plan—so you’re not waking up at 3am wondering what’s next

We don’t make promises we can’t keep. But we do bring a ton of experience and a lot of heart to the table.

If You're Even Slightly Worried, Don’t Wait

This is something I tell people all the time: the sooner you reach out, the more options we have. You don’t have to wait until things are falling apart. If something feels off, if you’re missing payments, or even if you’re just anxious about what could happen—talking through it now can make all the difference.

Closing Thoughts (From Someone Who’s Been There)

It’s hard to ask for help—especially when it feels like you should’ve figured it out on your own. But foreclosure doesn’t mean failure. Life throws curveballs at all of us.

What matters most is having someone in your corner who’s walked this road before and knows how to help you through it.

If you’re stuck or stressed or just unsure where to start, we’re here. Let’s figure it out together.

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Molly Ancel and Jerry Anderson are Minnesota-based real estate investors and founders of PeerPoint Property Solutions. They help homeowners facing financial challenges find flexible, compassionate solutions. Former business professionals, they now focus on empowering families and strengthening communities. Learn more at peerpointmn.com.