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We are here to help you avoid foreclosure.
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A foreclosure is a legal process that allows a lender to take possession of a property and sell it to recover the balance of a loan when a borrower stops making payments.
Here are some of the options we offer:
3. Lending money to cover costs.
4. Taking over your loan.
* Contact us via the contact form above and we can guide you through this process.
* If you need to expedited this process and want to go ahead and complete a 3rd party authorization, you can download the form here. This allows us to speak with your lender and get the re-instatement amount and fees through the foreclosure date, so that we can identify the best path forward for you.
OPTION 1 - RE-INSTATE LOAN
If you can afford to re-instate your loan, this would be the best option. If you do not have the resources yourself, or from friend and family, in certain circumstances, we can give you a small loan to cover the costs.
OPTION 2 - LOAN MODIFICATION
If you cannot re-instate your loan, you can apply for a loan modification. This process takes 30-45 days. During this time, your foreclosure will be on a temporary hold until approved. If not approved, the house will be put back up for auction, of which you will have 30 days to sell, find a Subject To deal, or a short sale.
OPTION 3 - BANKRUPTCY
Chapter 7 Bankruptcy:
Typically requires a waiting period of 4 years after discharge for conventional loans, though it can be as short as 2 years for FHA loans.
Chapter 13 Bankruptcy:
Generally requires 2 years from discharge or 4 years from dismissal for conventional loans, depending on circumstances.
Foreclosure:
Conventional loans require a 7-year waiting period after foreclosure.
FHA loans may allow buyers to qualify in as little as 3 years, depending on their financial recovery.
OPTION 4 - SUBJECT TO
Depending on how much money is owed, we may be able to re-instate the loan, take over the deed, and start making the mortgage payments for you. In some situations, you may be able to stay in the house and rent with the option to buy back. Or we can find new tenants to pay down the mortgage. This will allow for your credit to stay clear of foreclosure, create positive increase in credit by having the mortgage paid each month, and remove most of the judgements and liens that are associated with the property. We will need 5 days to prepare for this type of deal.
OPTION 5 - SHORT SELL
If there is no time (30 days until auction) to put your house on the market with a realtor, then a short sale may be a great option. We would need 5 days to find an investor, preview the house, and get funds together to make the purchase. This will prevent foreclosure and allow you to move forward with your life.
In certain situations, we may be able to partner with you to get you money to set you up for success as you move forward.
How We Can Help You
If you're struggling with mortgage payments or know someone who is, please fill out our short seller form below.
We’ll provide you with your options, free of charge.
Connect HERE for assistance.
Privacy Consent*
By providing the information above, I consent to being contacted and agree to the Terms & Conditions and Privacy Policy.
Our Process
Complete the short form.
By completing the short form, you provide us with the information we need to explore possible alternatives to help you avoid losing your home to foreclosure.
We will schedule a time to chat.
We will chat about your unique situation and divide a plan to help you keep your home, sell your home, or whatever you decide to do with your home.
We will walk you through your options.
We are here for you from start to finish. You never have to feel alone in this process.
We will help you transition.
Re-instate your loan, catching up, on mortgage, or sell your home, we are here to help you get to the next chapter in your life.
Our mission is to provide compassionate, effective assistance to homeowners facing foreclosure, helping them find the best solutions to protect their homes and financial well-being.
We are dedicated to offering personalized support, guidance, and resources to help you navigate this challenging time and secure a positive path forward.
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