Are you worried that you
may be in danger of losing
your home?
We may be able to help!
Our #1 commitment is to help you
keep your home!
Services
we use to help save your home from foreclosure:
- Loan
Modification
- You may be able to modify the terms of your existing loan.
This
is an option we are able to use for those who are expecting their rate
to adjust, and they know that will not be able to afford their new
payment. Homeowners rarely have success attempting to
negotiate
with the lenders because some lenders just do not work with homeowners
as they do not understand the rules of the game. If you have
attempted to contact your lender, but did not have success, don't
despair, we may be able to handle this tedious negotiation for you.
We have experienced people who handle this on a daily basis
with
great success!
- Loss
Mitigation
- Similar to the above services, but is used when someone is behind on
their payments. Each lender has a different set of rules
which
they have set forth as to how they handle homeowners who are late
making their payments. Late payments may be spread out over
the
remaining term of the loan, put to the end of the loan, or spread out
over the next year or more. Available options vary from
lender to
lender.
- Debt
Settlement
- Today, the average American homeowner carries a great amount of
unsecured debt, such as credit cards. These payments may be
so
high that your ability to make your mortgage payment may be affected.
When we are able to negotiate these debts down, and lower
your
monthly payments, the above services may not be necessary, or, as in
many cases, reducing this debt now allows us to more easily negotiate
with the lender for a suitable workout for both you and them....helping
you to keep your home!
- Reverse
Mortgages
- If you are a Senior Citizen, age 62 & above, and you have
enough
equity in your home, but are having trouble making your payments
because you are on a fixed income, a reverse mortgage may be used to
stop a foreclosure. In many cases, this may be the best
and/or
only option for some Senior Citizens.
- Short
Sales
- We may not always be able to save your home. If you are not
able to meet your monthly financial obligations because you are
experiencing a hardship, such as a loss of job, or extended hospital
stay, divorce, or other similar circumstance that has caused an extreme
loss of income, thus preventing you from making your mortgage payment,
it may be necessary to consider an exit strategy. You may
have to
sell your home.
With the value of homes dropping at an alarming rate, your loan may be
higher than the value of the home, making it impossible for you to sell
your home for what it is worth. Many Realtors specialize in
what
is known as a Short Sale, where the lender may be willing to negotiate
to allow you to sell the home for less than you owe, and in many cases
forgive the outstanding debt. We are establishing a
nationwide
network of Short Sale Specialists who can help you sell your
home
as quickly as possible by negotiating with your lender using the Short
Sale option.
Hopefully, selling your home is a last resort, but in some cases may be
necessary. It is a much better option than foreclosure and
bankruptcy, as it is better to start over now without either of those
on your credit rating. Starting over after a foreclosure or a
bankruptcy may take many years for you to recover, and we hope to help
you prevent this financial disaster from occuring. Call us
now to
review your options.
Contact
us today for your FREE No Obligation Consultation.
If
you qualify, we will work to stop your foreclosure and help save your
home!
You
MUST act now, time is critical. Those who wait may lose their
home.
Call now: 803-461-4210
If
you are a Professional in the Real Estate Industry, contact us today
and
let us show you how to add this valuable service to your business.
Imagine
how you would feel if you could help someone save their home!
;)
;)
tool!