Your mom needs to contact the lender or servicer of her loan and ask to stay the foreclosure while she applies for a forebearance or a mortgage loan modification (hopefully a HAMP modification). Do not take no for answer. Simultaneously, have your mom call the department of financial institutions or banking in the state in which you live to file a consumer complaint and hope they can help stop the foreclosure while your mom applies for the modification. Your monm needs to be diligent about the modification paperwork and needs to also consider getting that department of financial institutions involved to process it quicker.