Candi, Your options will vary depending upon the type of loan you have and your lender BUT YOU DO HAVE OPTIONS. Until it goes to auction and the sale is recorded, you can redeem your home. Talk to your lender ASAP. Chances are they don't want to own another foreclosed home. If you have had a good history wit them, they may be far more cooperative than you might think. Call your local HUD office and explain your situation. There are resources available. DO SOMETHING. Doing nothing is never the answer. I truly wish you the best.