You have options. You are not alone. If you're behind on your mortgage in Tennessee or Kentucky, Lola Animashaun — a Marine and Army veteran Realtor with LPT Realty — walks homeowners privately through the six real paths: reinstatement or loan modification, Chapter 13 bankruptcy, equity sale, short sale, deed in lieu of foreclosure, or going to foreclosure. Confidential. No judgment. No pressure. Just a clear-eyed conversation about what's actually possible from where you stand today.
You have options. Let's look at them together.
Behind on your mortgage? This isn't the end of the road.
It's a fork in it. There are real paths forward — and the earlier we look at them together, the more control you'll have over what happens next. No lectures. No pressure. Just an honest conversation about where you actually stand.
- Six real options — not a sales pitch for one path
- Military hardship-aware — SCRA, VA programs, PCS-related circumstances
- Confidential — your situation stays between us
- No obligation — even if we don't end up working together, you'll leave with a clear next step
Private · No judgment · At your pace
Every situation has more than one way forward.
The right path depends on your timeline,
your equity, and your goals.
What homeowners ask me first.
What are my options if I'm behind on my mortgage in Tennessee or Kentucky?
Homeowners behind on their mortgage in TN or KY typically have six possible paths: reinstatement or loan modification (catching up on missed payments or renegotiating loan terms), Chapter 13 bankruptcy, equity sale (selling traditionally if you have equity and time), short sale (selling for less than you owe with lender approval), deed in lieu of foreclosure (handing the deed back to the lender), or going to foreclosure. The right option depends on your timeline, equity position, income stability, and credit goals.
Can I sell my house if I'm in pre-foreclosure?
Yes, in most cases you can sell your home during pre-foreclosure — and selling is often a better option than letting the foreclosure complete. If you have equity, a traditional sale lets you protect your credit and walk away with cash. If you owe more than the home is worth, a short sale negotiated with your lender is usually far less damaging to your credit than a foreclosure.
What foreclosure protections do active-duty military have?
The Servicemembers Civil Relief Act (SCRA) provides specific foreclosure protections for active-duty military members and certain veterans. SCRA can delay non-judicial foreclosure during active duty and up to 12 months after. VA-backed loans also offer hardship programs including forbearance, loan modification, and the VA Purchase and Cash-Out options many borrowers don't realize they qualify for.
How long does the foreclosure process take in TN and KY?
Tennessee uses primarily non-judicial foreclosure, which can complete in as little as 30 to 60 days from the Notice of Sale. Kentucky uses judicial foreclosure, which typically takes 6 to 12 months from filing. In both states, the earlier you explore your options, the more paths remain available to you. Waiting until the sale date severely limits what you can do.
Lola Animashaun is a licensed Realtor in Tennessee and Kentucky with LPT Realty. This page provides general information, not legal or financial advice. For legal advice, consult a licensed attorney. For housing counseling, contact a HUD-approved counselor at 1-800-569-4287 or hud.gov.
9041 Executive Park Dr NW, Knoxville, TN, 37923, USA
Meet Your Agent