We are committed to helping you save your
home. Once we have your information, we immediately go to work for you
by negotiating with your lender, and getting you the best program
available. We will keep you informed throughout the entire
We have helped hundreds of families save
their homes and turn their lives around. We are here to listen and
represent you, the homeowner. We do not charge a fee unless we can
save your home.
If you are behind on your mortgage three
months or more, and you can afford your normal monthly payment, we can
help tailor a program that will get you back on your feet through many
different loss-mitigation programs.
STOPPING FORECLOSURE PROGRAMS
FORBEARANCE AGREEMENT - This
is an agreement with your lender that will enable you to get current on
your mortgage over an extended period, or a modification whereas we
would negotiate with the lender and bring the account current by placing
the arrearage on the back of the loan. We strive to get you the best
remedy and get you back on your feet. Our team of Loss Mitigation
specialists has many years of experience working with hundreds of
lenders and reaching a resolution to foreclosure.
SHORT SALES - If you are facing foreclosure, can’t afford the home,
and owe more than the house is worth, we may be able to negotiate a
lower payoff to enable the sale of the home. This is extremely important
because depending on your state laws the lender could come after you for
the difference between what you owed to pay the mortgage off and what
they sell the property for, is usually referred to as a deficiency
judgment. The balance owed, or the deficiency judgment, is then placed
against you thus causing further hardship. If you feel you no loner can
afford your home and feel that there is not enough equity to cover the
mortgage, contact our office for a free consultation or apply on line by
submitting your application.
How long before I get an answer Back?
Once we receive your application and the signed client authorization
can have an answer within 24 hours…
What if I have a sale date, can you
still help me?
We can usually save a home right up to the sale date
depending on the laws of your state, but time may be running out.
would need your information right away.
Should I talk to my Mortgage Company?
Yes, however if you hire our agency we would be in contact
with your mortgage lender on your behalf. If the Lender feels that you
are avoiding them the more likely they will initiate foreclosure.
What if I can’t afford my home any
If you no longer can afford the home there are other options
to help protect your credit as well not having a deficiency judgment
(Depending on your state laws) placed against you. We can help with this
by negotiating what is referred to as a short sale.
I want to sell my house but it’s not
worth what I owe, now what?
We can possibly negotiate a short sale with your
lender. The lender then would be accepting the net proceeds of the sale,
thus avoiding foreclosure and a possible deficiency judgment.
How much does your service cost?
Depending on the program it typically will be equal to the greater
of $500 or one
monthly mortgage payment. If we cannot help you, the fee is refundable.
What will this program do to my/our
If we can help avoid foreclosure your credit will improve
opposed to a foreclosure being placed on your credit, which could stay
there for 7 to 10 years.
How do I get started?
First fill out the online application and press submit and a
counselor will be contacting you within 2-3 business days. During this
time, you can download the
client authorization form and send it to our company so that we can
begin contacting your mortgage company.
Please complete the online
application before calling to speak with a consultant. Thank