Right now it may feel like the letters keep coming and every option looks like a dead end. As you read, you'll start to notice things getting clearer: what you know comes into focus, what you fear gets smaller, and your next step becomes easier to see.
Instant digital download. Pay securely with Apple Pay, card, or PayPal.Where you are now. Behind on payments, and notice: more than one road is still open. Tap a path and picture where it leads.
Maybe there's an envelope you've set aside unopened. Maybe you've lain awake running numbers that won't add up. That's a normal response to a heavy situation, and it says nothing about who you are.
It isn't. Keeping a home is not automatically success. Selling it is not automatically failure. The useful question is what the facts mean in your situation, and what the next step is.
As you begin separating what you know from what you fear, you may find yourself breathing a little easier. Behind on Your Mortgage shows you how, one small step at a time.
Book 1 · Start here · for homeowners
By Dana Parker · 84-page PDF
Imagine sitting down with your mortgage statement and understanding every number on it. Imagine knowing exactly what to ask when you call your servicer. That's the calm this guide is written to give you.
It won't push you to keep your home at all costs or to sell it. The choice stays yours. As you move through each chapter, it walks you through how far behind you really are, how the foreclosure timeline works, whether your hardship is temporary, what your home is worth against what you owe, and what each option actually involves. Four fictional homeowners, Elena, Marcus, James and Rebecca, and Denise, show why similar problems can lead to different choices.
Short enough to read in an evening or two. Download it in minutes, and you can start Chapter 1 tonight.
You'll know who makes the decisions, what they look at, and what can actually change. A short sale isn't one argument over price. It's a series of decisions about eligibility, value, net proceeds, liens, and approval terms, and the more you understand them, the steadier you'll feel.
Book 2 · For homeowners · 415 pages
28 chapters and a 30-tool Homeowner Toolkit. Open it to the question that's keeping you up at night, and turn straight to the chapter that answers it.
Book 3 · For agents and brokers · 206 pages
48 chapters and a 37-tool Agent Toolkit. Imagine every short sale file you take on feeling organized and under control, for you and for the client who's counting on you.
Chapters 4 and 12–14 explain how the servicer reads your offer, the net sheet, and allowable expenses.
Chapters 10–11 cover valuations and how to respond with evidence instead of frustration.
Chapter 15 explains contribution requests and what questions to ask before agreeing.
Chapter 21 covers what a short sale review does and doesn't do to foreclosure timelines.
Chapter 23 walks through approval terms line by line, and Chapter 24 covers deficiency language.
For homeowners
Behind on Your Mortgage plus The Homeowner's Guide to Short Sale Negotiations. Start by finding the road that fits your life, and if a short sale turns out to be it, you'll already have everything you need to walk it with confidence.
For homeowners and agents
With all three guides, you'll see the whole road at once: how to choose your path, and how a short sale works from both sides of the table. It's ideal when a homeowner and agent are working together, or when an agent wants the right reading ready for every client.
Pay securely with Apple Pay, card, or PayPal. Your download link arrives by email right after checkout. Because these are instant digital downloads, all sales are final. See our refund policy. Questions? Email beyondbehindmtgs@gmail.com.
Our mission
Everyone goes through hard seasons. A lost job, a medical bill, a divorce, a loss in the family, a payment that quietly grew out of reach. Falling behind doesn't mean you failed. It means life happened, the way it happens to all of us at some point.
We created Beyond Behind because no one should have to face this confused, ashamed, or alone. Our hope is simple: that these books find the people who need them most, right when they need them, and help them take one clear, steady step forward.
Wherever you are today, you are not your mortgage status, and this is not the end of your story. There is life beyond behind, and you don't have to find your way there without a map.
With hope,
The Beyond Behind team
If you're behind and still deciding, begin with Behind on Your Mortgage. Once you've read the first few chapters, you'll have a much clearer sense of which road fits. If you've already decided on a short sale, go straight to the homeowner's negotiation guide. Agents should start with the professional's guide.
Many agents find it helpful to have both. The Homeowner's Guide to Short Sale Negotiations is written in plain English for the seller, so it can be a thoughtful resource to give your clients, helping them understand what's happening, stay calmer, and respond faster when documents are needed. Keeping a copy yourself also gives you a handy reference for explaining each stage in words your clients already understand. The Complete Library includes both the agent and homeowner guides.
Each guide is a PDF you can read on your phone, tablet, or computer, or print at home. Right after checkout, your download link arrives by email. Save it somewhere handy so you can come back to it whenever a new question comes up.
No, and that's on purpose. You know your life best. The guides lay out your options and the questions to ask, so the decision you make is one you understand and feel settled about. They also point out when it makes sense to get a housing counselor, attorney, or tax professional involved.
Because your ebook is delivered instantly and can't be returned once downloaded, all sales are final. If your download link doesn't work, the file is damaged, or you were charged twice by mistake, we'll make it right. Just email us at beyondbehindmtgs@gmail.com within 14 days. Read the full refund policy.
The federal, agency, and investor materials behind these editions were reviewed through September 2026. Rules change and state law varies, so always confirm current requirements for your situation.
No book can promise that, and you should be wary of anyone who does. These guides help you understand the process and act sooner. If you have a sale date or court papers, contact a HUD-approved housing counselor or an attorney now.
Email us anytime at beyondbehindmtgs@gmail.com. If your question is about a purchase, include your order number. We aim to respond within 2 business days.