Services List
Know your options!!! It is not too late!
There are multiple (permanent and temporary) options available that could help you to avoid a foreclosure.
Loan Modification
A loan modification is a permanent change to your mortgage. For example, this might mean extending the amount of time you have to pay off the loan or reducing the interest rate. With a loan modification, the servicer can often add any past-due amounts to the balance of your mortgage. Depending on your circumstances, you may qualify for a Fannie Mae or Freddie Mac Flex Modification or a proprietary (in-house) loan modification. There are programs still available with each Lender.
Loan modifications are useful where you have had a long-term change in financial circumstances that make the current loan unaffordable. This could be a job loss followed by a new job that pays less, or a long-term increase in expenses, like a new child or recurring medical expenses.
No matter what the reason for the modification, it is only useful if it decreases your payment to an affordable level. Never agree to a loan modification that does not make your payment manageable! If the new payment is not affordable, then you have not solved the problem.
Forbearance agreements and repayment plans.
If the reason you’re unable to make your mortgage payment is temporary, you may be eligible for a forbearance agreement. With a forbearance agreement, the lender agrees to reduce or suspend the mortgage payments for a certain period of time. At the end of the forbearance period, you bring the loan current by paying back the missed or reduced payments in full, through a repayment program, or through a modification (Learn more about loan modifications, forbearance agreements, and repayment plans.)
It is important that you do not wait until the last minute to seek help. If possible, call your servicer as soon as you miss a payment or think you might miss a payment to find out if you qualify for an alternative to foreclosure. The faster you deal with the problem, the better chances you have of working through an option that results in a happy ending.
Our experienced experts will sit down with you and evaluate your situation to determine along with you, while taking your best interests into account, what the best course of action is for you to take.
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It is an agreement between you and your mortgage company which change the original terms of your mortgage—such as payment amount, length of loan, interest rate, etc.
- May reduce your monthly mortgage payments to a more affordable amount
- Less damaging to your credit score than a foreclosure
- Stay in your home and avoid foreclosure
- Being able to maintain your home ownership for less than paying high rent in today’s rental market.
Our experience and years of combined knowledge in the mortgage and legal industries. We have been successful in helping hundreds of homeowners maintain homeownership through their various difficulties and hardships.
It is our passion to help homeowners who want to keep their kids in the same schools and neighborhoods with their friends. To help homeowners who have homes that have been in their family for years keep those homes in their family from generation to generation. This most often time can be challenging and requires an advocate that understands how the system works and has your best interests at hand.
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