Though it can feel like a scary process, there are several ways of avoiding foreclosure and you can find hope at many intervals throughout the process. To stop a foreclosure outright and keep your home, you’ll need to pay what is owed. The most important thing you can do is talk to your lender or loan officer if you are worried about not making your mortgage payments on time. Keep the lines of communication with your lender open, be honest about what you can pay and you may come up with a mutual solution.