Although the entire experience of facing foreclosure is just one challenge after another, homeowners and potential sources of help should be aware of some of the more common problems homeowners face. The list below is definitely not exhaustive, but it highlights some issues that everyone facing foreclosure should take care to avoid or overcome. Running into any problem should not be a reason to give up the fight to save a home.

1. Homeowners who wait too long to call the lender. This is probably the most common problem when trying to stop foreclosure, but it is also the easiest one to prevent.
   
2. Lenders who do not return phone calls asking for help. They have no problem calling homeowners all day at home and work to demand payment of the mortgage, but getting the loss mitigation department to return a call can be a very trying experience -- for individual homeowners and professional companies.
   
3. Lenders who do not acknowledge receiving faxes/paperwork from homeowners to apply for a workout solution. This is related to problem number two, but getting through to a customer service representative does not guarantee that the homeowners have taken any meaningful step towards saving their home yet.
   
4. Too little equity in the home to qualify for a new foreclosure loan. This is especially a problem now with real estate prices declining nationwide, but some banks are beginning to accept short payoffs on refinances.
   
5. Homeowners do not have stable or enough income anymore to get the mortgage back on track or qualify for a repayment plan. The lender will not approve a workout solution unless the homeowners' income situation has stabilized and can support a higher payment for a short time.
   
6. The lender will not accept a short sale, and the homeowners owe more than their home is worth. This problem can be especially distressing since it effectively eliminates the option of selling the house to stop foreclosure, but homeowners may be able to persuade the bank to reconsider, based on recent comparable sales and a signed purchase contract from a buyer.
   
7. The homeowners have filed bankruptcy in the past and can not do it again to stop the sheriff sale in time. Although the sheriff sale can be postponed other ways, having the option of filing bankruptcy as a last resort can often persuade the bank to put off the auction voluntarily in order to give the homeowners another chance to save the house.
   
8. Homeowners are unaware of any programs that could help them, so they abandon the house rather than seek out assistance that they do not know exists. With more media coverage of various programs offered by the banks and government, hopefully this problem will become less severe. But knowing that there are options to stop foreclosure is almost half the battle and will prevent homeowners from giving up too quickly.
   
9. The homeowners have a potential buyer for the home, but there is not enough time to close the sale, and the bank is unwilling to postpone the foreclosure auction. Usually, the bank can be persuaded to put a hold on the sale, or the homeowners may be able to petition the court for an automatic stay of the auction. This is not an insurmountable problem in the foreclosure process.
   
10. Poor credit scores caused by late mortgage payments make getting a personal loan to pay off the arrears impossible. Although getting more credit to pay off previous late credit is not recommended, homeowners should have every option available to them for reasonable access to borrowing money. Ending up at a payday loan shark is almost ever a good part of the plan to save a home from foreclosure.

These are some of the ones that homeowners in foreclosure may run into pretty frequently. Of course, there are many more challenges than just the ones briefly examined here, but many of them will be unique to certain situations. The ones listed here can be pretty common, as frustrating as that is, but none of them guarantee that the homeowners will lose the home. Every problem during foreclosure can be overcome.

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