Behind on Your Mortgage in Utah? Your Options

If you're behind on mortgage payments in Utah, you likely have more options than you think, and the earlier you look, the more of them you keep. This free guide from Tasha Rodriguez, a Salt Lake Valley agent with eXp Realty, explains the Utah timeline, the ways to keep your home, your options if you sell, and where to get free help.

 

No cost, no obligation. I'm not affiliated with your lender or any government agency.

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Utah homeowner options guide for people behind on their mortgage, by Tasha Rodriguez, eXp Realty

What's Inside the Guide

Six pages, plain language, no sales pitch.

How the Utah process works, step by step, including your 3-month window after a Notice of Default

 

Six ways to keep your home, from reinstatement to a loan modification

 

Your options if you decide to move on: a traditional sale, a cash offer, a short sale, or a deed in lieu

 

Scam red flags to watch for

 

A first-steps checklist you can finish this week

 

Free help: HUD-approved counselors, Utah 211, and legal aid

Who This Guide Is For

Utah homeowners who have missed a payment or two and want to get ahead of it

 

Anyone who just received a Notice of Default and isn't sure what it means

 

Homeowners deciding between keeping the home and selling

 

Family members helping a parent or relative who has fallen behind

Wherever you are in the process, it helps to know every option before you decide.

Utah Mortgage and Foreclosure Questions

Straight answers to what Utah homeowners ask me most.

 

This guide is general information, not legal advice. Every situation is different, so talk with a Utah real estate attorney or a HUD-approved counselor about yours.

How long does foreclosure take in Utah?

Most Utah foreclosures are nonjudicial. After the Notice of Default is recorded, the trustee must wait at least 3 months before giving a Notice of Sale, and the sale must be noticed at least 20 days ahead, so the shortest path from Notice of Default to auction is about 4 months. Federal rules generally keep a servicer from starting foreclosure until a borrower is more than 120 days behind.

What happens after a Notice of Default in Utah?

Can I sell my house in pre-foreclosure in Utah?

Can I get my house back after a foreclosure sale in Utah?

Where can I get free help if I'm behind on my mortgage in Utah?

Can a real estate agent help if I'm behind on my mortgage?

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