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If you’re behind on your mortgage, feeling stressed, or worried about losing your home, you are not alone. Many homeowners fall behind due to job changes, medical challenges, rising living costs, or unexpected life events. The important thing is this: you still have options, and you’re not out of time. Pre-foreclosure can be overwhelming, but it’s also a moment to get support, take action, and protect your financial future. 📝 1. Understand Your Situation Pre-foreclosure beg