Facing Foreclosure?
You still have options.
Free consultation with certified distressed property experts who help you understand your choices—whether we get paid or not.
Call or text - (435) 244-3210
You're Not Alone
and This Isn't the End
If you've received a Notice of Default or are falling behind on your mortgage payments, you're probably feeling scared, confused, and maybe even ashamed. We understand. Foreclosure isn't a single event—it's a process, and you have more time and more options than you might think.
Our Commitment:
We educate, not manipulate. Your best outcome matters more to us than our commission.
How We Help
Understanding Your Real Options
When you're facing foreclosure, it can feel like you're out of choices. That's rarely true. Depending on your situation, you may be able to:
Stay in Your Home
Loan modification or workout plan with your lender
Repayment plans for past-due amounts
Government assistance programs
Refinancing options
Filing bankruptcy for additional time
Exit With Dignity
Short sale (we negotiate with your bank)
Quick cash offer without MLS listing
Deed in lieu of foreclosure
Strategic timing to protect your credit
Buy Time While You Decide
Rental options (if you're current on payments)
Understanding the foreclosure timeline
Government assistance programs
Bankruptcy referrals when appropriate
Not every option will work for every situation. That's why we start with understanding your specific circumstances... your finances, your timeline, your goals... before we recommend anything.
Our Process
How We Work With You
1. Fill Out Our Simple Form
Tell us about your situation in your own words. It's confidential and there's no judgment here.
2. Initial Phone Call
(30 Minutes)
We'll ask questions to understand your situation, explain the foreclosure process in Utah, and give you a preliminary sense of which options might be worth exploring.
3. We Do The Research
We'll look into your specific situation, talk to your lender if needed, and evaluate which options are actually viable for you.
4. Options Review
(Zoom Call)
We'll walk you through each realistic option, what it would look like, the pros and cons, and the likely outcomes. This is where you get clarity.
5. You Decide
This is your life and your home. We'll support whatever decision you make, even if it's an option that doesn't pay us a commission.
Options Review is Completely Free.
If you decide to work with us on a short sale or cash offer, we'll discuss paperwork then. If you choose a different path, we'll point you to the right resources.
You’re not alone.
This doesn’t have to be the end of the story.
If you’ve received a Notice of Default, are behind on your mortgage, or are in the early stages of foreclosure, we want you to know one thing: 👉You still have options.
Why Tru Agency Team
Educated, Certified, and Committed to Your Best Interests
CDPE Certified
Our team holds the Certified Distressed Property Expert designation—specialized training in foreclosure alternatives and short sales
Local Expertise
We serve Salt Lake, Utah, Weber, Davis, and Tooele Counties and understand Utah foreclosure law
Professional Negotiators
We work with licensed short sale negotiators who deal directly with banks
No Hidden Agendas
We'll tell you about options that don't earn us a commission, including loan modifications, bankruptcy, and assistance programs
Values-Driven
Tru Agency was founded on the principle of honoring our fiduciary responsibility to clients. Your trust matters more than any single transaction.
What Makes Us Different
We Get Paid Only When It's Right For You
Many people who contact us end up qualifying for a loan modification or workout plan with their lender—these options don't pay us anything, but we still help people pursue them when they're the best fit.
We’ll never pressure you to sell. We’ll simply:
If you choose bankruptcy, we'll refer you to a qualified attorney.
If you need government assistance, we'll point you to the right programs.
If staying and fighting for your home is the right move, we'll tell you that too.
We only earn a commission when a short sale or cash offer is truly your best option and you choose to move forward with us. That's how it should be.
Take Action Today!
Avoid foreclosure. Protect your credit. Secure your peace of mind.
Fill out the form below to schedule a free, no-obligation consultation. Taking the first step is the hardest part—but it changes everything.
We’ll listen.
We’ll explain.
You decide what’s next.
Remember, inaction is the only decision that guarantees foreclosure.
Let’s talk—confidentially, compassionately, and on your terms.
No pressure. No judgment. Just clarity.
Your information is 100% confidential. We’ll never share or sell your details.
Protect Yourself
Warning: Watch Out For Foreclosure Rescue Scams
Promises that sound too good to be true (they probably are)
Pressure to transfer your title to them or stop talking to your lender
No written agreement explaining exactly what they'll do
Requests for upfront payment before any work is done
Claims of "special relationships" with banks or government programs
Offers that change significantly after you sign a contract
Get proof of funds from any cash buyer and make sure contracts don't allow assignment without your approval.
If something feels wrong, trust your gut. Get a second opinion. We're happy to review any offer or agreement someone else has presented to you—even if you don't end up working with us.
Have any Questions?
No hesitation, we can help you with a free Consultation
Frequently Asked Questions
Do I have to be in foreclosure to get help?
No. We work with homeowners who are behind on payments but haven't received a Notice of Default yet, as well as those further into the foreclosure process.
How much does your consultation cost?
Nothing. Our initial consultation and options review are completely free. We only get paid if you choose to work with us on a short sale or cash offer.
How long does the process take?
It depends on which option you pursue. A loan modification can take 2-3 months. A short sale typically takes 3-6 months. A cash offer can close in as little as 2-3 weeks. We'll give you realistic timelines during your options review.
What if I'm too embarrassed to reach out?
We get it. But please know that there's nothing to be ashamed of. Life happens—job loss, medical bills, divorce, unexpected expenses. We've seen it all, and we're here to help, not judge. The sooner you reach out, the more options you typically have.
What if I already received a Notice of Default?
You still have time. In Utah, there's a minimum three-month period between the Notice of Default and the foreclosure sale. Don't wait until the last minute, but know that it's not too late.
Will working with you hurt my credit?
Your credit is already being affected if you're behind on payments. The question is which option will help you minimize additional damage. We'll be honest about the credit impact of each choice.
Do I have to move immediately after selling to avoid foreclosure?
No. We offer flexible closing dates and post-closing occupancy agreements. You can stay 30-60 days after closing if needed.
What happens if foreclosure goes to auction?
Property sells to highest bidder. Any excess after mortgage payoff goes to you. Deficiency balance may still be owed. Credit severely damaged for 7 years.
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