Stop foreclosure in Ohio.

How foreclosure works in Ohio

• Ohio foreclosures require judgment, appraisal, and sale at no less than two-thirds of appraised value
• Redemption runs until judicial confirmation, later than most homeowners realize
• Many counties operate mediation programs on request

Redemption & second chances

Cure until the court confirms the sale — often weeks after auction.

What this means for you

Ohio's two-thirds floor and confirmation process protect value, and the long judicial arc leaves room for the full toolkit. Robert T. in Columbus came to us convinced the house was gone; a modification cut his payment by $600 a month and the case was dismissed.

Your options in Ohio

Every tool in the national playbook works in Ohio — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short