Start where everyone has to start that is serious, Step #1 is going to see a loan officer or two and see if you can get a loan. It costs nothing and don't sign anything and don't pay anything. You are going for information only. It's free and painless.
All foreclosures do not end in foreclosure, understand that. Sometimes owners do what they do to get the bank to pay attention to their requests, they stop making payments to get the bank to adjust their loan. Often this blows up in their face but sometimes it works. Don't rush to get out the door just yet. There will be a lot of time that will pass before the auction. Seeking advice from a lawyer could also be of help but will cost you most likely. Do some google searches as the laws in different states varies. Good luck... more