Foreclosures are on the way yet for reasons other than what we saw in the recession. I am coaching some of my clients to get the NOD list. I further explain that a NOD does not mean that there is no equity in the property, yet the homeowner must sell because they can no longer make their house payments. This is where our coaching clients can be of great value to homeowners by explaining how they can sell their home, pay off any forbearance and missed payments, and still walk away with some funds. As we both know, many homeowners will sit in their house until the bank comes for it whether they have equity or not because they are poorly educated in how this works."