There is no automatic deferral, no grace period, and no servicer that will simply wait. What there is — if you act early — is a set of options most families never learn about until it is too late.
Keep the house, rent it, sell it, or hand it back. That single decision drives most of a family's financial trajectory across a sentence, and it usually gets made in a panic, weeks before a surrender date, with incomplete information.
The right answer depends on the length of the sentence, the equity position, whether income continues, who remains in the home, and whether anyone has legal authority to act. Those are knowable facts. The decision should follow from them.
The single most common failure: nobody has a valid power of attorney, so when the servicer requires a signature the family simply cannot act — and a solvable problem becomes a foreclosure.
Forbearance, loan modification, repayment plans. What your specific servicer offers, what it requires, and what it does to the loan long term.
Whether your power of attorney will actually be accepted by this lender. Acceptance is never automatic and often needs pre-clearing.
Modelled against the sentence timeline and equity position — including who maintains the property and pays taxes and insurance.
Whether refinancing before custody is realistic given income verification, and whether it improves or worsens the family's position.
What the remaining household can actually sustain once income changes, and where the shortfall lands month by month.
Planning the path back to a mortgage after release — which starts with what you do now, not what you do then.
AFIP is not a lender and does not originate loans. Mortgage services are delivered through a joint venture with an established brokerage that already holds NMLS registration and the applicable state licenses.
That means licensed professionals do the licensed work, while AFIP provides the context — the sentence timeline, the family situation, and coordination with the rest of the Adversa engagement — that a brokerage working alone would have no way to account for.
Required disclosure. AFIP is affiliated with Adversa Strategy Group through common ownership. A referral may provide a financial benefit to Adversa through that ownership interest. You are not required to use AFIP, other providers are available, and you are free to shop for the best rate and terms. A written Affiliated Business Arrangement Disclosure is provided at the time of any referral.
Hardship options are far wider before a missed payment than after one.
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