If you are facing foreclosure it is very important to remember that you are not without defensive options. Being in pre-foreclosure does not mean that you are sure to lose your home. This is a check list of some of your defensive options and strategies that can help you stop the foreclosure process and save your home. Take a deep breath and run through the list step by step, and most importantly - don't panic...

1. Don't move out of your home, in order to qualify for assistance.

2. Avoid losing your home if possible to save your credit history.

3. Start by calling the mortgage lender's loss mitigation department. It may require a few calls. Stay calm and try to hold back your frustration, you can vent all you want AFTER the call!

4. Locate a HUD housing counseling agency in your area.

5. Call at least 3 service companies that help stop foreclosure, and schedule at least one appointment to meet them to discuss your options. At this stage you do NOT want to contact a company that offers to buy your home.

6. Help the lender or counselor help you by being cooperative.

7. Call at least three Real Estate Agents in your area.

8. Call at least three Real Estate Investors that operate in your area.

9. Review and compare all of the options offered to you by each of the companies or individuals you contact to help.

10. Don't let all the red tape overwhelm you.

11. Review the Words of Caution in the previous section.

12. Make sure you understand all documents before signing anything. Signing over your deed to another party does not help you avoid the loan obligation.

13. Keep everything that you have received about your foreclosure in one place. Pick up the phone with a pad and pen to take notes. Pick up the phone and start calling.

14. Read through the Bonus Items prepared by Federal Government Agencies of Fannie Mae, Freddie Mac and The Federal Trade Commission.

15. Ask all the questions you need. Find out the consequences of each decision.

16. Find out how your credit report and ability to borrow credit in the future will affected. Are you facing any tax implications? Can you get out from under all of your unpaid debts?

17. Take Action right away!

There are no guarantees that if you follow everything here, you will successfully keep your home.

But it's 100% certain that by doing NOTHING, you will absolutely lose your home.

Take comfort from each little success you achieve in this whole process - even a phone call or email you accomplish - to help you stay strong and keep going in this fight.

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