The hardest step is the first call. But early, honest communication with your lender’s loss-mitigation department can unlock options that disappear once a foreclosure case advances. Here’s how Pinellas homeowners can make that call productive—and protect options like loan modification or short sale.

Before You Call

  • Gather loan number, recent statements, proof of income (pay stubs/LES), bank statements, and a brief hardship letter.
  • Know your goals: reinstate, modify, repay, sell with equity, or short sale if underwater.
  • Prepare a calm, factual timeline of events (job loss, medical, divorce, deployment).

Call Script Starters

  • “I’m calling to discuss options with loss mitigation. I want to avoid foreclosure and keep communication open.”
  • “Here’s my hardship and current income. What programs (forbearance, repayment, modification) can I apply for today?”
  • “If sale is best, would you review a short sale package while I market the home with my Realtor?”

Pinellas Scenario

A Largo homeowner called after 45 days delinquent. We joined a three-way call with the servicer, documented hardship, and secured a 60-day forbearance. During that time we listed the home; strong interest revealed enough equity to close as a standard sale—no short sale needed.

Tip: Keep a call log (date, rep name, summary). Send follow-up emails confirming any promises or required documents.

Need help structuring the call? (727) 301-7855 • nikky@capstonerealestate.us
General information only—consult your attorney for legal advice.