Foreclosure Advocates vs. Attorneys: What's the Difference and Which Do You Need?

What Is a Foreclosure Attorney?

A foreclosure attorney is a licensed lawyer who can represent you in court, file legal motions, challenge lender conduct in litigation, and provide legal advice. They're essential when legal action is required. Attorneys typically charge $300-500/hour.

What Is a Foreclosure Advocate?

A foreclosure advocate specializes in the documentation, communication, and coordination of the loss mitigation process. Advocates are not attorneys and do not provide legal advice — but they are experts in building complete loss mitigation applications, communicating directly with servicer loss mitigation departments, tracking applications and managing deadlines, and coordinating with attorneys when legal intervention is needed.

Which Do You Need?

For most homeowners facing foreclosure, the primary barrier isn't legal — it's documentation, communication, and follow-through with the servicer. That's where advocates excel, at a fraction of attorney cost.

NFDA's Model

NFDA advocates provide full loss mitigation coordination from intake through resolution. One flat membership fee. No hourly billing. Full follow-through. Call 949-484-9849 or visit www.thenfda.com.