Free foreclosure help in Utah

Who to call first, by situation

• You are not behind yet but expect to be

  As soon as you see trouble coming

  Call your servicer and ask about hardship options before you miss a payment, and reach out to a free HUD-approved housing counselor. If Utah Housing Corporation services your loan, start with Utah Housing Corporation: Homeowners.

• You got the pre-default notice

  Within the 30 days the notice gives you

  Call the single point of contact named in the letter and ask for a relief application. The Utah State Courts: Foreclosure page explains each step of a trustee's sale in plain language.

  Utah Code § 57-1-24.3(2)

• A notice of default was recorded

  Right away; the cheap reinstatement right ends 3 months after recording

  Apply for relief before the three months end and ask the trustee for a reinstatement statement. Contact Utah Legal Services: Housing to ask about free legal help if your income is low.

  Utah Code §§ 57-1-24.3(3), 57-1-31

• A sale date is set

  Today; the sale can be as soon as 20 days after the notice is posted

  Call the trustee whose contact details came with your notice to confirm the date and get a written payoff. For advice on stopping the sale, contact Utah Legal Services: Housing or find a licensed attorney through Utah State Bar: Find a Lawyer.

  Utah Code §§ 57-1-25, 57-1-26(3)

• Your servicer is not following the rules

  Before the sale if possible

  If the lender is a state-chartered bank or credit union, use Utah Department of Financial Institutions: File a Complaint. For mortgage companies licensed by the state, use Utah Division of Real Estate: Submit a Complaint. Talk with legal aid too, because you may have other remedies.

  Utah Code § 57-1-24.3(14)

• A foreclosure rescue company contacted you

  Before you sign or pay anything

  In Utah, paid loan modification and foreclosure rescue help is a licensed activity, and a licensee cannot charge you before you have a written offer from your lender and accept it. Never sign over your deed. Report problems to Utah Division of Real Estate: Submit a Complaint or Utah Division of Consumer Protection.

  Utah Code § 61-2c-301(1)(u)

Official and nonprofit help in Utah

None of these charge homeowners for foreclosure help.

• Utah Housing Corporation: Homeowners

  The state housing finance agency's page for homeowners, including people whose loans it services.

• Utah Attorney General

  The state's top law enforcement office, which handles consumer fraud cases.

• Utah Division of Consumer Protection

  Takes consumer complaints about deceptive business practices, including rescue scams.

• Utah State Courts: Foreclosure

  Court self-help page that explains trustee's sales, deficiency suits and how to claim excess sale proceeds.

• Utah Legal Services: Housing

  Free civil legal help and information for low-income Utahns.

• Utah Department of Financial Institutions: File a Complaint

  Takes complaints about state-chartered banks, credit unions and other lenders it supervises.

• Utah Division of Real Estate: Submit a Complaint

  Licenses mortgage companies and takes complaints about mortgage, loan modification and foreclosure rescue businesses.

• Utah State Bar: Find a Lawyer

  The state bar's page for finding a licensed Utah lawyer.

Utah Homeowner Assistance Fund (UHAF)

The Utah Homeowner Assistance Fund was a temporary pandemic program and is closed. Its website was offline when we checked in October 2026. We did not find another statewide mortgage payment program that is open.

Common questions in Utah