106df5f8_ons_to_stay_out_of_foreclosure__3
[0] Partial Claim [1] Placing your past debts into a subordinate 2nd mortgage (not exceeding 12 months of PITI) payable to HUD (2nd loan payment to begin only after first mortgage is paid down; there's no interest on the 2nd loan). [2] Those having FHA loans and mortgages offered by Freddie Mac approved lenders. Unable to qualify for forbearance. Use property as the primary residence. Can prove that financial hardship is over. May qualify even after bankruptcy filing but court approval required. [4] Property should be in good physical condition. [3] 
Delinquent for 4 months but not more than 12 months.
Loss Mitigation options to stay out of foreclosure
3