text: You don't have a lot of options. Unless you can come up with your arrears in a hurry, your best bet would be to contact one of the many companies that offers rapid purchase of your home, and sell it to them. If you owe less than the home is worth, you get some money to start over, and no matter what you owe, you avoid foreclosure which will haunt your credit rating for years. You can also let the lender know you have a sale pending which should halt the foreclosure for at least a week or two, giving you time before the sale to find somewhere else to live.