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We offer the consumer three major services: 1. Loan Modification 2. Deed in lieu of Foreclosure 3. Short Sale Negotiations Loan Modification With the increase of interest rates on home loans, many homeowners with adjustable rate loans are faced with mortgage payments they can no longer afford. Our job is to convince the current lender …

Stop Foreclosure with Loss Mitigation Programs Loss mitigation programs were established by the federal government and the mortgage industry in order to stop home foreclosures. They help foreclosure victims in default on their mortgages to find alternatives to home foreclosure. Every homeowner’s situation is unique and each lender has their own policies regarding the use …

No one wants to hear the F word, but in today’s market, everyone is talking about it. What exactly is foreclosure and how does it affect you? Let me break down what you need to know about the process. Foreclosure is a process, not a thing. People often misuse the term “foreclosure.” Foreclosure is a …

Foreclosure is not the most cheerful thing to think about, but it is an element of reality every homeowner should be aware of and comprehend fully. We fear what we don’t understand. The concept of “foreclosure” is frequently misunderstood and frequently feared. Understanding the concept of foreclosure with precision maximizes your ability to take action …

Foreclosure is the sequence of legal proceedings by which a lender sells or repossesses a home when the homeowner has stopped making payments on the mortgage. As a homeowner, understanding the individual steps of the sequence is critical to understanding your rights and responsibilities along the way. These days, very few states require the lender …

If you have missed fewer than three mortgage payments or are anticipating that you might have to miss them in a month or so because of life circumstances, put your smarts in action and implement this simple plan to avoid foreclosure. Don’t confuse simple with easy; avoiding foreclosure can take time, patience, money and effort, …

How Can You Max Out Your Chances of Working It Out? Explain your financial hardship and why it is/was temporary. If you lost a job, explain why and give details as to why you believe you will be re-employed soon. If your mortgage rate and payment are adjusting, explain that and show that you made …

When foreclosure looms, many homeowners try to sell their homes. For them, the goal is not just to get the home sold, but to do it quickly. Foreclosure rates are the highest in buyer’s markets, when homes take a longer than average time to sell. What’s a homeowner to do? Get aggressive, and get your …

Marketing Your House Make sure your home is well-marketed on the Internet. This is your real estate agent’s responsibility, but you should make sure that it gets done. More than 80 percent of house hunters start their home search on the Web. So your listing should be on all of the top real estate listing …

If you have missed more than three mortgage payments, or your lender has filed a Notice of Default (NOD), you might think the loss of your home is inevitable. Even at this stage, there are five strategies you can use to stop the foreclosure process. Foreclosure Workout. Up until the time your home is scheduled …