The goal of loss mitigation is to work out an agreement between the homeowner and the lender that will stop foreclosure proceedings permanently. This allows the homeowner to stay in their home and protects their credit history.

Do I Have Enough Time To Stop The Foreclosure?

Up until the foreclosure sale occurs, there is still hope. If a sale date for your house has been set you need to act fast.  We have stopped sales set for the next day but this is very risky and some lenders will not agree to it.  Your best option is to take action immediately to stop the foreclosure before it goes too far.

I Have Already Spoken With My Mortgage Lender, And All They Want Is The Money That Is Owed. Can You Still Help Me?

Yes. Most of our clients have experienced this kind of inflexibility from their lenders before calling us. We get your bank to listen to your needs because they know and trust us.  We have mitigated many of home foreclosure cases. That kind of experience gives us credibility with your lender. Over the years we have developed positive working relationships with key people at most banks. Our integrity and professionalism have earned us a reputation that allows us to be heard when no one else can get through the red tape. We will use our experience and connections to your advantage.

Should I Negotiate With My Mortgage Lender Myself?

If you are only a payment or two behind and your lender has not hired an attorney to begin foreclosure proceedings you may be able to negotiate a work out agreement yourself. If you are successful then you have saved yourself some funds that can be used to get caught up on your mortgage. Just remember, don't waste a lot of time on this, The lender's primary objectives are their best interest and company’s profits … not yours.

Time is not on your side right now. If you don't have something worked out within 1-2 weeks, then it's obvious that your lender is not serious about working things out with you directly. When you get to that point you will be better served by professional representation that can use the formal business and legal protocols to your advantage.  Many times they will lead you to believe they are working out a resolution and then all of a sudden you get a letter from an attorney.  By then it may be too late for us to help you. Don't make that mistake.

I Am Currently In Bankruptcy. Can You Still Help?

Yes. But we cannot negotiate a work out agreement with your lender until your mortgage has been discharged or dismissed from the bankruptcy proceedings. Our professional loss mitigation consultants can still evaluate your case and explain the best options to save your home. Then when the mortgage is out of the bankruptcy, we can proceed with the home foreclosure help. Sometimes after bankruptcy, it is easier to make a mortgage payment because other debts have been discharged.

Several Companies Have Contacted Me Offering Help.
What Makes You Different?

There are many predatory companies who are not what they appear to be. Beware of unscrupulous companies who are actually just interested in buying your house at a big discount, or attorneys who just want to take you into bankruptcy, or companies that collect a consultation fee then do nothing for you. We have some of the most experienced and well respected specialists in the industry whose sole purpose is to save your home, not buy it, sell it, or send you into bankruptcy. If you have spoken to one of us you already know the difference, if not, give us a call, speak with one of our professionals and judge for yourself. The consultation is FREE.

How Do You Stop The Foreclosure Process?

We specialize in resolutions of mortgage delinquencies or home foreclosure claims on behalf of you, the homeowner. We perform a detailed financial analysis and work with you to determine your best course of action. We review your lender's loss mitigation policies and your state's foreclosure laws to make sure that we give you the best advice and service within the context of your situation. By working with you and your lender, we can tailor a resolution to meet your specific criteria and financial situation.

How Long Does It Take For You To Complete The Mitigation Process Once All The Paperwork Has Been Filled Out?

Anywhere from 2 weeks to a few months. This depends on the stage of the foreclosure proceedings, the state you live in, your financial position and the lending institution. Typically it takes several weeks to complete a workout agreement and stop foreclosure proceedings.

Do I Need To Have A Special Type of Mortgage Loan For You To Be Able To Help Me?

No. We specialize in out-of-court resolutions of government and non-government mortgage delinquencies or home foreclosure claims for homeowners. These can be FHA, Rural Administration, VA, Freddie Mac, Fannie Mae, or conventional loans which have become delinquent.

How Much Do You Charge For Your Mitigation & Foreclosure Prevention Services?

Our fees are based on your mortgage payment amount, and the complexity and urgency of your situation. Our professional loss mitigation consultants will evaluate your case and explain the best options to save your home.  We are confident that you will feel that our fees are a bargain compared to the cost of the alternatives.