Are you a homeowner who is fearful that your house will go into foreclosure. 

Are you behind on your payments? Is your Adjustable Rate Mortgage getting ready to adjust and you're worried about the new payment.

As a Mortgage Broker I may be able to help you find a solution to your individual problem.  I've been in your shoes and I understand the emotional and financial impact that you are going through.

When you contact me here's what we'll do:

1. We'll talk for a few minutes about your individual situation.  I'll spend some time learning about you and your goals, your financial situation and the specifics of your current loan.

2.  Once I have that information I'll spend some time reviewing it and come back to you with options and recommendations.

1. Option 1:  If you want to try to keep your home we'll look at financing programs that are available in this market to help you.  Yes there are programs out there.  The media is on a feeding frenzy right now.   It is not a reliable resource to listen to.  I can't guarantee that one will fit your situation, but I can guarantee that I'll do everything in my power to help you.
2. Option 2:  I'll put you in contact with a local loss mitigators.  Private Loss Mitigators may be able to help you negotiate with your bank to alter the loan that you are currently in. 
3. Option 3:  I'll put you in contact with a Real Estate Agent to help you sell your home.  In some instances this may mean a short sale (where you are selling the home for less than the loan amount.)  The agent will be experienced with working short sales and negotiating with the bank to accept the short sale amount based on current market conditions.

By connecting with caring, experienced professionals today, before it's too late, you may be able to save your home or at least the financial impact of a very tough decision.

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Kate Bourland is a Loan Consultant for New Key Home Lending, in Redding, CA.  She helps homeowners and Realtor's  solve problems.  Whether you are a first time home buyer or an experienced investor Kate will spend take the time to find solutions for your lending needs.  She can be reached at 530-244-4345.