How to Avoid Foreclosure: What to Do If You’re Already Behind | The Brief with Julie Calza

Falling behind on your mortgage? Don’t panic — you still have options.

In this episode of The Brief with Julie Calza, we’ll walk through what to do if you’re at risk of foreclosure — whether you have a VA, FHA, or conventional loan. I’ll break down when to contact your lender, how to protect your credit, and what solutions can help you avoid losing your home.

We’ll cover:
00:00 Why acting early changes everything
00:51 — If you can't make your mortgage payment (aren't late yet), watch this
01:31 Step 1 — Contacting your lender before delinquency
02:11 Step 2 — Explore exit strategies; Selling vs. short sale vs. deed-in-lieu
02:57 Preserve VA Home Loan eligibility
03:40 Step 3 — Moving forward
04:05 Foreclosure review

At CalzaCo, we’ve guided hundreds of military and civilian families through tough financial seasons with clarity, compassion, and strategy. Whether you’re PCSing, relocating, or just need a way forward — this video is your roadmap to making smarter moves and stronger outcomes.

📩 Need help now?
Message my team privately — no pressure, no judgment — at calzaco.com/get-in-touch

The Brief with Julie Calza is a series that gives real solutions to common problems homeowners, prospective home buyers, and home sellers face.

Each episode outlines the problem or question the episode addresses. Viewers can expect to get actionable advice to help them get out of tough situations, build wealth, maximize real estate opportunities and protect their futures with confidence.

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Julie Calza is a licensed real estate broker and has operated CalzaCo a top ranked real estate team for about a decade. CalzaCo is #1 in AZ for VA Home Loan Buyers and Sellers and is also top .005% of real estate professionals nationwide. The team helps military and civilians alike buy smarter and sell stronger.. clients agree, with over 500 5-Star reviews on Google alone it’s clear CalzaCo helps you move with confidence. Check out CalzaCo.com to learn more.