You are not alone.
My education and experience will help guide you in the right direction. Homeowners in pre-foreclosure or a defaulting loan situation need to speak with an educated real estate agent as quickly as possible. For many homeowners, foreclosure is not the only option, but most don't get the opportunity to explore other solutions.
By working with a real estate agent who has earned the Certified Distressed Property Expert Designation (CDPE), you can ensure the highest level of professionalism and expertise is provided. I am a Realtor equipped with the knowledge to help.
You may feel out of options... however I find most people I talk with actually have options and in most cases, can reach solutions to get out of financial distress and potential foreclosure.