Foreclosure Prevention
If you are experiencing mortgage difficulties or pending foreclosure I can help.
I am a Certified Foreclosure Prevention Consultant and regardless of your present mortgage situation we may be able to assist you in saving your home from foreclosure and saving your credit.
There are government programs available through agencies such as FHA, VA, HUD, Fannie Mae, and Freddi Mac specifically designed for people in your situation.
We will work with your lender to find a work out solution which may include:
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Giving you up to 12 and sometimes 24 months for you to make up your back payments.
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Putting your back payments and penalties at the end of your loan.
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We may be able to renegotiate a better loan for you. If you qualify.
There may be many work out solutions that your lender will never offer to you.
Homeowners, there are three things you should be aware of:
- Do not sign over the Deed or Title of your house to anyone claiming they will find a buyer or they can "cash you out"!
- Do not be in denial. Foreclosure has a very specific time-line and you must act quickly. Each day and week that slips by, doors of opportunity begin to close. Early intervention is the key. If you don’t talk to us, at least talk with someone reputable. WE WORK FOR YOU, NOT YOUR LENDER!
- Some people believe filing for Bankruptcy will save their home, it likely will not.
If you do not qualify for a work out solution or you have a hardship that will stop you from being able to make your mortgage payments we will work out a Short Sale Agreement with your lender.
A short sale is when the first trust deed lender agrees to accept a sale price for less than what is owed, for the homeowner to Avoid Foreclosure regardless of how much you owe.
Knowing that most homeowners have suffered a financial hardship, are behind in their monthly mortgage payments and can not afford to pay closing costs, your lender pays the closing costs and sales commissions. You will be able to walk away from your home with a clean slate and be able to start over again without foreclosure damage to your credit.
Call me today for a confidential consultation. Together we can get you out of this situation.
Hollie: 603-785-0374
