So how to you calculate the timeline for foreclosure? Basically it is from the time you miss your first monthly mortgage payment to the time where you are forcefully moved out of your property. The timeline varies from case to case basis. It can last for few days to some months and in some cases even few years.

The foreclosure timeline will ultimately depend on the fight that you put against your lender. There are many strategies that, if implemented or used properly, will save you from having a fast foreclosure. You can actually fight and delay your foreclosure for many years, but unfortunately many homeowners are completely unaware that they can fight themselves against their lenders to keep their homes for years.

Depending on the state that you are located and the type of loan that you have as well as your lender, the timeline can significantly vary from homeowner to homeowner. As long as you know certain strategies to fight your case you can delay your foreclosure for many years. You can actually use the law to prolong your foreclosure process.

I will go over a few strategies that can prove savior and rescue you from losing your house for a very long time. You can delay the timeline foreclosure on your home few years even if you are not having any monthly home income or no job.

Hardship letter: If you are anticipating that you are unable to make any monthly mortgage payment to your lender then it is wise to send him an economic hardship letter keeping him posted about the reason why you are unable to keep up with the mortgage payments on time.

This letter can be used at the beginning to delay the foreclosure process, but it can also be used at later stage at the court of law to delay your foreclosure proceedings.

Legal Inquiry: You can make e legal appeal at your local court to delay your foreclosure proceeding. Once you receive a summon form your lender, you can always make an appeal in front of the judge against the Filing and explain him your reasons for not being able to make the mortgage payment and why should you be given extended timeline. If you do this properly you should be able to prolong the process for a very long time.

The whole ideas behind explaining these strategies are not to help you win the case but to delay the process of foreclosure by prolonging the foreclosure hearings. If you are able to do this properly, you can drag the whole process for years.

Housing Agreement: If you read through your housing agreement, and you know how and where to look, you will definitely be able to find some loopholes or mistakes that you can use to DELAY your foreclosure. Many lawyers use these mistakes to make their points strong. However this is not talked about openly and is kept as secret between the lawyer and the Lenders.

Foreclosure is a process and there are ways for you to DELAY that process and stay in your home MORTGAGE-FREE for a few years regardless your financial situation, even if you have not income at all.  Alfred Sant