How can churches avoid foreclosure?

Short answer: talk to the lender before you miss a payment, get an honest picture of the building and the budget, and bring in outside help early — a nomination or application here can start that process while there is still time.

• Talk to the lender early. Modification, forbearance or a payoff plan is far more likely before default than after.
• Know the numbers. A realistic budget, deferred-maintenance estimate and appraisal are what lenders, donors and partner ministries all ask for first.
• Ask for help early. Nominate the church or apply for a rescue campaign; verification and a public campaign take weeks, so starting before a deadline matters.
• Consider structure. Sometimes a coalition, a lease-to-own arrangement or a transfer to a sister ministry keeps the doors open where a straight purchase would not; the platform supports these rescue types.

Nothing here is legal or financial advice; the platform connects you with professionals who can give it.