Knowledge is your greatest defense.
You deserve to know your options
Most homeowners facing foreclosure don't lose their homes because they ran out of time.
They lose them because nobody told them what was possible.
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Not sure what your options are?
Talk to a CDPS-certified agent — free, confidential, and no obligation. We will tell you the truth about your situation.
Our Commitment:
We educate, not manipulate. Your best outcome matters more to us than our commission.
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.
Grab Your Free Guide:
Know Your Options:
The Utah Homeowner’s Foreclosure Defense Manual
We’ve helped hundreds of Utah homeowners navigate foreclosure. This guide summarizes the only 6 paths that actually work—explained in plain English.
Fill out the our form to get your free Defense Manual!
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.
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.
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