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Free Help to Avoid Foreclosure
You don’t have to go through this alone.
With experienced guidance and a clear, written plan, you gain clarity, support, and the peace of mind that comes from knowing what’s happening and what comes next.
(408) 610-4802
Facing Foreclosure Right Now? Don’t Waste Time.
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Foreclosure timelines move fast — waiting makes things worse
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Not every option applies to every homeowner — a conversation with Dan helps determine what actually applies to your situation
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Missing one deadline can eliminate multiple solutions
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Acting early gives you more choices — and more time to use them
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Acting late doesn’t mean giving up — but it does mean less time and fewer paths forward
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You deserve clear, straightforward information — before making any decision under pressure
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It’s always best to act early, but even at the last minute we’ve successfully stopped foreclosures — including cases just minutes before the sale date. Watch Mary’s story for a real example.
If you’re behind on your mortgage, have received a Notice of Default, or have a sale date scheduled, what you do next matters.
If you need help, click the button below.
THE SOLUTION
Here's How We Help — Step by Step
Dan approaches every situation the way a good doctor would.
He starts by listening carefully and understanding the full picture. Once he knows what’s really going on, he outlines a clear plan and explains the available options.
You’re never pressured to choose a single path. Instead, you’re given choices — often an Option A, B, or C — along with a clear explanation of what each one means. You decide what feels right for you.
If one option doesn’t feel like the right fit, that’s okay. There are often alternatives, and the goal is to help you make an informed decision — not to push you in any one direction.
Disclaimer: Every situation is different. In most cases, homeowners who take action early and follow our guidance are able to delay or avoid foreclosure. Outcomes depend on individual circumstances and cannot be guaranteed.
What You Can Expect — And What You Won’t
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We don’t charge for our help
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We don’t pressure you to sell
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We don’t promise outcomes we can’t control
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We don’t give one-size-fits-all advice
What we do provide: clarity, experience, and guidance when timing matters.
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We guarantee a written plan that will help you avoid foreclosure.
Would you like a customized plan just for your situation?
We listen first
You explain your situation, timeline, and concerns.
We review where you are in the foreclosure process
Notices received, sale dates, loan status, and urgency.
We explain which options may apply to you
Clearly, honestly, and without pressure.
We help you take the next best step
Based on timing, documentation, and your goals.
We will make recommendations based on our experience but you will always have the final say.
WOULD YOU LIKE A CUSTOMIZED WRITTEN PLAN BY DAN?
YOU PROBABLY WANT TO KNOW WHAT’S THE CATCH. WHY IS IT FREE?
We don’t just explain your options — we do the work.
We help gather and review documents, complete and submit paperwork, communicate with lenders, and coordinate next steps. When legal help is needed, we connect you with attorneys we trust and help with timing and follow-through.
All of this is completely free. Why? Because we believe in paying it forward.
Dan will never ask you for a dime. If you feel helped, we simply ask that you share our name with someone else who may need the same support — or with anyone looking to buy or sell a home. We help you when it matters most. And when the time is right, you help someone else find us.
Here is Dan’s video to explain Why is it Free?
TESTIMONIALS
Daniel Moskowitz and his team were wonderful. Their persistence and patients I with us get through the paperwork, that was so brutal to complete. We owned a business and guiding us through the Profit and Loss Statements and personal income and assets were so helpful. We failed the first 3 times on our own.
Bank Of America finally approved a loan modification for us with a GREAT 2% INTEREST RATE AND A PRINCIPAL REDUCTION OF $169,000 for 30 YEARS... We would have been happy with putting the arrears on the back end of the loan. He never charged us a penny. I tried to pay him, but he would not take anything. He just wanted referrals
We will refer Daniel business for years to come
— Gene Insurance Broker
San Jose, California
$169,000 Principal Reduction, 2% Interest Rate for 30 years. Dan is amazing!
If you want to get free assistance in getting a loan modification, click on the button below.
"Dan Moskowitz is My Real Estate Hero."
I was behind on my mortgage, and had begun to receive foreclosure warnings in the mail from my bank. Among the foreclosure threats, came letters with offers of "help" from dozens of real estate agents. I quickly realized my house was chum in the water for these shares. It seems they all wanted me to list the house to sell with them so they could receive their commission. Then I received a hand-written note from. Dan offering to try to save my home from foreclosure - not sell it, necessarily, unless I wanted to. What?! If I wasn't selling my house, what's in it for him, I wondered.
When I met with Dan, he asked me about my priorities in dealing with the house. He listened, then he laid out all my options, and guided me to the right plan to meet my needs. Basically, he saved my home. His skill g knowledge made maneuvering through the endless sea of paperwork tolerable. When I was ready to give up, his pep talks got me through the next step. Dan worked with the bank on my behalf and got me the loan modification that enabled me to stay in my home until I am ready to sell it.
And his fee? Well, no sale means no commission, so there was nothing in it for him. Not a thing. But what did he earn? My undying gratitude, and a referral to him for all my family & friends' real estate needs. When I do sell, there's only one person with whom I'll list my home - Dan Moskowitz, Real Estate Hero.
I want to add that while I was attempting to keep my home a promotion with AT&T came through but it required, I immediately move to Atlanta Georgia. I had to sell my home, but I had never closed permits on a 2nd story I added on to 5 years ago. Dan told me that he would hire a contractor pay him upfront, oversee the process of getting a permit so that I could sell the home for top dollar. We had multi-offers and I received well over asking price. All I had to do is open the mail and get my closing check.
— Deborah
Sunnyvale, California
Dan is a real estate hero
If you want to know more how Dan is a real estate hero, hit the button to see why?
"Dan Moskowitz was Our Relentless Advocate."
I would like to take a moment to express our gratitude for all of the work Dan Moskowitz put into helping us stay in our home, at no cost to us for his services. I was skeptical when I heard he would help us for free, I knew there must be a catch or something in it for him.
We are happy to say that Dan guided us through the process of modifying our home loan successfully. His understanding of the processes and how to get the bank to agree to work with us was invaluable. He called the banks, helped us organize and submit our paperwork, followed up with the bank relentlessly. In fact, I think the bank approved our modification just to get Dan to stop calling them!
Honestly, we are very relieved and thankful for his efforts. Dan Moskowitz was our relentless advocate. He did not charge us for any of this. Dan is an upstanding professional that does what he says, and his entire team really cares about helping people stay in their homes. I highly recommend Dan to anyone that is in my situation or is wanting to sell or purchase real estate. His knowledge and guidance will be to your benefit.
Sincerely
— Austin San Leandro
California
Keep Your Home
If you want to Keep Your Home, click on the button below.
I was behind on my mortgage payments and had received a foreclosure notice from the bank. I was very frustrated and depressed when I found Dan through a business card I received. Dan took the time to patiently discuss my situation and never made me feel uncomfortable about my limited English.
I would like to express my sincere gratitude for all of the work Dan Moskowitz put into helping us stay in our home — at no cost to us for his services. At first, I was skeptical when I heard he would help us for free and thought there must be a catch, but Dan proved to be a relentless advocate for us.
He did not charge us for any of this. Dan is an upstanding professional who does what he says, and his entire team truly cares about helping people stay in their homes. I highly recommend Dan to anyone who is in a similar situation or who is looking to sell or purchase real estate.
— Yingshi
still a Homeowner
Dan is an upstanding professional
If you want to get free assistance in getting a loan modification, click on the button below.
Here Dan and Aaron Talk about Bankruptcy.
BANKRUPTCY (Protection / Last-Line Defense)
Bankruptcy can temporarily stop foreclosure and give homeowners critical breathing room when time has nearly run out. While it’s not always the first option, it can be a powerful legal tool when used correctly and at the right moment.
Dan helps homeowners understand when bankruptcy makes sense, how timing affects outcomes, and connects them with trusted bankruptcy attorneys when legal protection is necessary.
The right paperwork can change everything.
LOAN MODIFICATION (Keep the Home / Long-Term Solution)
A loan modification changes the terms of your mortgage to make payments more affordable. This may include adjusting the interest rate, extending the loan term, or addressing past-due amounts.
Dan doesn’t just explain loan modifications — he helps do the work. That includes organizing documents, reviewing forms for accuracy, submitting packages, and coordinating with lenders to avoid delays and repeat denials.
Timing and compliance make the difference.
STALL THE BANK
Do you need more time to avoid foreclosure? Everybody wants to stall the bank. How many different people.
There Is More Than One Way to Avoid Foreclosure
From early intervention to last-resort protection — the right option depends on your situation and timing.
Every homeowner’s situation is different. That’s why there isn’t a single solution that works for everyone.
At Free Help to Keep Your Home, we help homeowners understand 12 different ways to avoid foreclosure. Some options apply early in the process, others later — and some may not apply at all.
The three strategies below are just a few of the paths we may discuss. The most important step is identifying which option fits your situation right now.
The difference isn’t how many options exist — it’s knowing which one applies to you.
Foreclosure doesn’t have a single solution — but it does require the right next step.
One Call. Clear Direction. Real Help.
Whether it’s a loan modification, bankruptcy protection, AB 2424, or another option, we help you understand what applies to your situation and then help do the work — at no cost.
Selling Is One of Several Options
One way to avoid foreclosure is to sell the home. It’s not the right solution for everyone, but in some cases it can be the fastest way to stop the process.
We don’t get paid for helping homeowners understand their options or create a plan. If selling makes sense, we may earn a fee only if we help facilitate the sale.
We also ask our clients to refer friends and family who may need real estate help, which allows us to continue providing guidance to homeowners at no upfront cost.
We accept referrals from any state. If the property is in California, you don’t need to be — we can facilitate transactions anywhere in the country.