How Much Do Foreclosure Attorneys Charge?


An attorney specialized in foreclosure defense may be an invaluable ally when fighting to keep your home. But you may be wondering about their fees.

Foreclosure can be an exhausting and costly process for homeowners. They could face losing both their home and money for moving expenses as part of this devastating cycle.

Flat-Fee Pricing Model

Some foreclosure attorneys offer flat fee pricing models for their services, charging an upfront retainer before billing at an hourly rate or fixed amount per case. This strategy can be particularly useful when handling form-intensive cases that tend to be predictable, such as personal bankruptcy, uncontested divorce or routine immigration cases.

Complex or challenging foreclosure defense cases often require more expensive legal fees. Therefore, during client intake it is critical that lawyers ascertain the level of difficulty so as to not undersell or oversell their services.

When lawyers utilize a flat fee pricing model, it is critical that they possess an in-depth understanding of each case’s process and costs so as to not lose money in terms of expenses and retainer payments. Understanding Retainers and Flat Fees offers guidance for successfully implementing this pricing scheme while outlining best practices on setting reasonable fees.


Fee structures vary among foreclosure attorneys; typically either an hourly rate or flat fee can be chosen, which each presents its own set of advantages and disadvantages.

If your foreclosure lawyer charges an hourly rate, they may require that you prepay their services by paying a retainer fee upfront; then as work on your case progresses, they’ll withdraw it as needed.

Although hiring a foreclosure attorney isn’t mandatory, having one can be very helpful. Foreclosure proceedings can be confusing and complex, so having someone assist borrowers understand their legal options, navigate litigation or foreclosure avoidance processes, negotiate with mortgage companies and understand current laws and regulations applicable to their case is extremely useful. Furthermore, homeowners often incur late fees for missed mortgage payments as well as service of process costs which quickly add up over time.

Monthly Fee

Foreclosure lawyers that charge an hourly rate tend to charge higher fees than their counterparts who use a flat fee model, as their hourly rates depend on factors like experience and local legal market trends – this means their hourly fees could range anywhere between $100 to $500 an hour.

Hired an attorney who specializes in foreclosure law is crucial for homeowners facing financial difficulties, as they will help raise legitimate defenses and negotiate with mortgage loan companies on your behalf. Furthermore, they can represent you at settlement conferences and find solutions which don’t involve foreclosure.

However, many foreclosure attorneys charge high upfront retainer and monthly fees that can quickly add up. If you’re having difficulty affording one of these attorneys, other options for help such as meeting with a HUD counselor or reaching out to Legal Aid may help: this way you’ll find someone suited to your budget and can find an attorney.

Other Fees

Individuals should always do their research before selecting a foreclosure attorney. Understanding their fee structure provides a useful snapshot into what their attorney charges and whether their chosen fee arrangement meets their needs.

Some foreclosure attorneys will charge an hourly rate that typically ranges from around $100 an hour up to several hundred dollars an hour, plus an initial retainer and monthly fee.

Lenders may also be required to pay attorneys fees associated with mortgage foreclosure actions against homeowners. Courts often award these legal fees requests; however, they can often be reduced. Other costs that can accompany foreclosure proceedings include filing fees, notice and certified mail costs, property title searches, eviction costs and more; these additional expenses add up quickly so many homeowners opt for legal representation to defend themselves during foreclosure proceedings.