We work with many of the nation’s largest mortgage servicers, primary mortgage insurers and, collection agencies to help preserve homeownership, before it’s too late.

Your mortgage servicer does not want to foreclose. They realize that something must have happened and, they want to work with you in order to keep you in the home.

In most cases, you can avoid foreclosure by working with your servicer and proving you can financially afford the workout or modification they offer.  

On our initial meeting with you, we will need to obtain your contact information, financials and authorization to contact your servicers. Once the required information is complete we will contact your mortgage servicer to begin negotiations immediately.

All of this is done in your presence, in our office on speaker phone with your servicer. We are completely transparent, involving you in every aspect of the dialogue between your servicer and us. The best part of all this, it’s completely free of charge. You don’t pay anything for our services.

With us working on your side, the bank will most likely work with you and offer some type of program to keep you in the home.

In cases where the value of the home is less than what is owed, or you do not financially qualify for a workout or modification, we can negotiate with the bank to give you ample time to put the home up for sale in hopes of recovering some of the debt and reducing the debt burden on your family. 

The bank will pay for all cost in the sell of the home, including Realtor commissions and buyer concessions. As long as you agree to maintain the home and keep it accessible for viewings and cooperate in the process, you can live their during this time and not make a single payment on your mortgage. Keep in mind, not paying your mortgage has a negative impact on your credit, for more information on the Short Sale process and your credit, click this Link.

So, if you are looking to modify your loan, ask for a workout or short sale, contact us today so we can start working for you now. Time is of the essence and any delay will only make it harder to keep you in the home.