I'm afraid I might lose my house. What should I do?

Facing the possibility of losing your home is frightening, and even more so if you aren’t sure what your next step should be. With unemployment at record levels, and other hardships brought on by the COVID-19 pandemic, many Memphians are facing the very real possibility of eviction or foreclosure. So, what do you do if you think you might lose your home?


Take action

Start by reviewing the resources provided by Home901 – Memphis and Shelby County’s one-stop housing resource center. If you know that you might not be able to make some rent or mortgage payments, follow the instructions on their resource guide related to your specific situation.


Make a payment plan

Contact your mortgage lender or landlord about creating a payment plan. Representatives from United Housing can assist you in creating a plan to pay back the payments you’ve missed and any future ones, too. Additionally, United Housing can help facilitate communication between you and your lender or landlord, ensuring all options are discussed. 


Many providers will be open to the idea of a payment plan instead of immediate eviction. In fact, in a survey distributed to landlords in the Memphis area, the Memphis Division of Housing and Community Development found that 81% of landlords were willing to work through an eviction settlement program, waiving eviction and late fees with the promise of a payment plan.


Seek support services

Luckily, there are many government programs or nonprofit organizations that can provide you with short-term relief for essential expenses – like childcare, pet food, utilities, transportation and other needs. United Housing can help you determine whether or not you qualify for assistance programs. Saving funds in these areas can help you put money toward your home, which might ultimately prevent eviction or foreclosure. 


Make plans for transitional living

Even as you work toward keeping your home, it is wise to look for other living arrangements in case your eviction or foreclosure goes through. We want to empower you – many people go through eviction or foreclosure and find stability through housing on the other side. That’s not said to minimize the trauma and hardship that come with foreclosure and eviction, but it is to assure you that there are pathways forward for you and your family. We can still help make your dream of owning a home a reality.  If you think you are at risk of getting evicted, or if you have any questions, call United Housing at 901-272-1122 today. 

P: +1 901.272.1122

2750 Colony Park Drive
Memphis, TN 38118



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