In order to avoid the foreclosure process, the lender may agree to any of the following, EXCEPT:

A lender may utilize various strategies to prevent a borrower from going through foreclosure, including accepting a short sale, modifying loan terms, or agreeing to a deed in lieu of foreclosure.

A short sale allows the borrower to sell the property for less than the total mortgage amount, with the lender agreeing to accept that lesser amount as full payment. Modifying loan terms can provide relief by adjusting monthly payments or extending the loan term, making it easier for the borrower to keep up with payments. A deed in lieu of foreclosure involves the borrower voluntarily transferring the property title to the lender, who then avoids the time and expense of the foreclosure process.

Filing a lis pendens, however, is a legal notice that indicates a lawsuit is pending concerning the property. This action signifies that foreclosure proceedings may be underway or forthcoming, rather than a strategy to avoid them. It is more about notifying interested parties of the impending legal action, not preventing foreclosure from occurring. Thus, this is the option that does not align with the goal of avoiding foreclosure.