Services

How can we help you? We offer a variety of services to help you avoid foreclosure and keep your home. Many people who are behind on payments or struggling to make their mortgage payments each month do not realize the different options that are available to them. They also do not have the skills and knowledge needed to negotiate with the lenders when they are being told they have no other options. This is where our services can be a great help.

Here are the main services we offer to help you save your home and/or credit:

Loan Negotiation/ Modification

Loan negotiation is a great solution to help you if you want to remain in your home but you can’t afford the current payments. This could be due to personal hardship, recent adjustments to interest rate or other reasons.

Loan negotiation works by modifying the terms of the loan in order to lower your monthly payments. Often if you are many months behind in payments, they can be tacked onto the costs when the loan is renegotiated so you start fresh with no more late payments to catch up on.

Short Sale

Also known as Short Pay, this is an option where the lender agrees to accept a sales price of fair market value for your property regardless of the mortgage totally more than what the property is worth. If you owe more for your home than it’s currently worth on the market, this could be an option for you.

In a Short Sale, the lender agrees to take a loss on the property in order to help the buyer keep the home. In most cases the lender will be willing to take less than what is actually owed on the property and this helps you avoid foreclosure and protects you from being sued by the lender for the difference of what is owed and what they were able to sell the property for at auction.

Refinancing

Refinancing is another option that many home buyers have heard about before. Even if you have been turned down by other lenders or mortgage companies, we might be able to help you refinance your home and avoid foreclosure. New government sponsored programs offer new alternatives to help you lower your monthly mortgage payment, consolidate second mortgages or pay off your debt on the home.

We can help you learn about the refinance options available to you and apply if this is an option for your case.

Deed in Lieu

Another option that may be available to you is deed in lieu of foreclosure. This offers both the borrower and the lender advantages in some situations. This will release you immediately from all debts that are associated with the delinquent loan on your home. It also prevents the public foreclosure proceeding.

If you’re unable to make your monthly mortgage payments and you’re also not able to sell your home at fair market value, this could be an option for you. You can voluntarily transfer the title of the property to the lender and you can usually be forgiven. While this process doesn’t save your home, it can help protect your future and your credit.

When no other options are available to help you save your home, a deed in lieu of foreclosure can be a better option than just waiting to be foreclosed on.

Find Out How We Can Help

Contact us today to find out how we can help you save your home and credit. You can receive a no-obligation free consultation with a qualified specialist that will let you know what options are available to you.