Elkhart Indiana you have options besides Foreclosure! You can negotiate with your Mortgage Lender to take your past due payments, late charges and penalty fees and move them to the end of your loan.  You can pay the past due up to date or you can sell your home!  If you are unable to make your payments even if it was current, you can still sell your home.  You own your home until either you sell it or the Mortgage Lender completes the Foreclosure process and sells your home Sheriff Sale. In any of these options you do not have to move out of your home.  Moving out gives the Mortgage Lender the advantage of calling it abandoned and the Foreclosure can start immediately instead of them having to give you time to catch it up. 

Prudential One Realty Associate Broker Evelyn Johnston is an Elkhart County Indiana Real Estate Expert and Certified Short Sale Specialist and can be reached at 574-304-7148.