If after your FREE Consultation we determine that we can help you, there are several options to get you out of foreclosure and protect your credit history. Loan Modification, Forbearance Agreement, Deed in Lieu and a short sale are some of the techniques we use to save your home. Call us so we can explain each of these to you and determine which apply to your particular situation.

The goal of loss mitigation is to work out an agreement between the homeowner and the lender that will stop foreclosure proceedings permanently. This allows the homeowner to stay in their home and protects their credit history.

Our company specializes in resolutions of mortgage delinquencies or home foreclosure claims on behalf of you, the homeowner. We perform a detailed financial analysis and work with you to determine your best alternatives. We review your lender's loss mitigation policies and your state's foreclosure law to make sure that we give you the best service within the context of your situation. By working with you and your lender, we can tailor a resolution to meet your specific criteria and financial circumstance.

Time is of the essence when you are behind on house payments. Time is definitely not your friend in this situation. Each day that passes makes it that much harder to get a work out agreement with your lender that you can live with. The home foreclosure process can take anywhere from a few weeks to many months, depending on your state law and the method of foreclosure your lender chooses to use.

There are many predatory companies who are not what they appear to be. Beware of unscrupulous companies who are actually just interested in buying your house at big discount, or attorneys who just want to take you into bankruptcy or companies that collect a consultation fee then do nothing for you. We have some of the most experienced and well respected specialists in the industry whose sole purpose is to save your house, not buy it, sell it, or send you into bankruptcy. Give us a call, speak with one of our professionals and judge for yourself.  The consultation is FREE.

Yes. If you are only a payment or two behind and your lender has not hired an attorney to begin foreclosure proceedings you may be able to negotiate a work out agreement yourself. If you are successful then you have saved yourself some funds that can be used to get caught up on your mortgage. Just remember, don't waste a lot of time on this. Time is not on your side right now. If you don't have something worked out within 1-2 weeks, then it's obvious that your lender is not serious about working things out with you directly. When you get to that point you will be better served by professional representation that can use the formal business and legal protocols to your advantage. Many times they will lead you to believe they are working out a resolution and then all of a sudden you get a letter from an attorney.  By then it may be too late for us to help you. Don't make that mistake.  Click Here for an Example of How Lenders have been know to Treat Their Customers Seeking Loan Modification WITHOUT Professional Negotiators.

Anywhere from 2 days to a 6 months or longer. This depends on the stage of foreclosure, the state you live in, your financial position and the lending institution. Typically it takes several weeks to complete a work out agreement and stop foreclosure proceedings.

Up until the foreclosure sale occurs there is still hope. If a sale date for your house has been set you need to act fast.  We have stopped sales with short notice but this is very risky and some lenders will not agree to a reasonable settlement if you wait until the last minute.  They figure the foreclosure was not on the top of your priority list so why should they put in any effort at the last minute.  You're best option is to take action immediately to stop foreclosure before it goes too far.

Our fees are a simple easy to understand flat fee, not some obscure formula used by other companies.  We charge the same fee regardless of how many loans you have against your property.  Our professional loss mitigation consultants will evaluate your case and explain the best options to save your home.  We are confident that you will feel that our fees are a bargain compared to the cost of the alternatives. We offer a 100% no modification/no payment money back guarantee, if we cannot get you a work out agreement with your lender(s).

Yes. But we cannot negotiate a work out agreement with your lender until your mortgage has been discharged or dismissed from the bankruptcy proceedings. Our professional loss mitigation consultants can still evaluate your case and explain the best options to save your home. Then when the mortgage is out of the bankruptcy, we can proceed with the home foreclosure help. Sometimes after bankruptcy, it is easier to make a mortgage payment because other debts have been discharged.

Yes. Most of our clients have experienced this kind of inflexibility from their lenders before calling us. We will get your bank to listen to your needs because of our reputation and the relationships we have built with all major lenders.  We have credibility with your lender.  Over the years we have developed positive working relationships with key people at most banks.  Our integrity and professionalism have earned us a reputation that allows us to be heard when other have difficulty cutting through the red tape. We will use our experience and connections to your advantage.

The American Bar Association has reported that 96% of homeowners who declare bankruptcy end up losing their home to foreclosure anyway. Bankruptcy is very unlikely to help you save your home. If you declare bankruptcy you will likely end up with BOTH a bankruptcy and a foreclosure on your credit report.

No. We specialize in out-of-court resolutions of government and non-government mortgage delinquencies or home foreclosure claims for homeowners. These can be FHA, Rural Administration, VA, Freddie Mac, Fannie Mae, or conventional loans which have become delinquent.

Yes. If you are certain that you cannot afford your home any longer and wish to sell, we can help you to secure a short sale payoff or a deed-in lieu of foreclosure agreement with your lender. Often times these agreements can be arranged at low or no cost to you.