Stop foreclosure in Vermont.

How foreclosure works in Vermont

• Vermont still uses strict foreclosure for some cases — title passes after a redemption period, no auction
• Courts set redemption periods case by case
• Mediation is available in foreclosure actions on homesteads

Redemption & second chances

Court-set redemption period — commonly 6 months in strict foreclosure.

What this means for you

Vermont's court-set redemption is unusually discretionary — which means what you present to the court matters. Between mediation rights and equitable timelines, Vermont homeowners with a coherent plan get real accommodation. We build that plan.

Your options in Vermont

Every tool in the national playbook works in Vermont — 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