Before default
The choices are wider now.
Payments are still current. A renewal, a separation, or a slower business is already in view. You may look at a sale before anyone else forces the question.
Coming in early is not an admission that a sale is inevitable. The first conversation does not list the home. If staying and restructuring the loan is the better path, Dave will say so and leave the loan with the people who advise on loans.
There is time to price from a full set of sales, time to repair or to disclose instead, and time to choose a private sale or a public one. If a date already exists, see time-sensitive sales.
If a payment has already been missed, use mortgage arrears. The wider map is on homeowner options.