CONFIDENTIAL · NO JUDGMENT · FAST
Behind on Your Mortgage? You Have More Options Than You Think.
Foreclosure in BC is a process, not an event — and at almost every stage there's still a move available. The key is acting before the next court date, not after.
100% confidential. Nothing goes on your credit. No obligation.
Three ways out — all of them better than waiting
Refinance & Catch Up
Roll your arrears into a new mortgage and reset your payments. Bruised credit isn't a dealbreaker — there are lenders for exactly this situation.
Sell On Your Terms
If selling is the right move, do it on your timeline — not the court's. Keep your equity instead of losing it to a forced sale.
Stop the Clock
Court dates can often be adjourned when there's a credible plan in motion. The sooner we start, the more options stay open.
Where are you in the BC foreclosure timeline?
Every stage still has options — but they narrow as the clock runs. Find your stage below.
- 1 Missed payments (months 1–3) The widest window. Lenders would rather work something out than litigate. Refinancing, a private bridge, or a payment plan can usually reset the file quietly.
- 2 Demand letter Your lender's lawyer sets a payout deadline (often 10–30 days). A full refinance or equity takeout arranged now typically stops the process entirely.
- 3 Petition filed (Order Nisi) The court usually grants a redemption period — commonly 6 months in BC. That's time to refinance, sell on your own terms, or negotiate. This is where most of my foreclosure files get solved.
- 4 Order for conduct of sale The lender can list your home, but you keep any equity above what's owed. A fast private sale or last-stage refinance can still protect far more of your equity than a court-ordered sale.
Wherever you are on this timeline, the consultation is free and confidential. If keeping the home isn't realistic, I'll say so — and we'll protect your equity instead.
Common questions
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