What They are Saying...“It is I who should be thanking you and your team! My heart has been heavy and there is a lot going on right now. With that said, your assistance is greatly appreciated. Thank you for coming in my life and helping me save my home. It has been a pleasure working with you." Anita Denton
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What Options might you have...?
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In order to make the right decision, you need to look at ALL the options available.
Loan Modification - Utilizing the existing mortgage company to refinance the debt or extend the terms of the loan may allow you to get to a more affordable level.
Forbearance - We work with a lender to try to work out a new or modified repayment plan, sometimes providing a temporary payment reduction or suspension of payments.
Refinance - If your thinking about refinancing or not sure, let us explain your options.
Deed In Lieu of Foreclosure - Turning the property back to the bank prior to foreclosure.
Bankruptcy - You may qualify, but bankruptcy will not stop the foreclosure process.
Sale - As the homeowner, you may sell the home. Because of the recent downturn in the market, this can be difficult and many homes do not have enough equity, and many homes are being listed on the market for a long time.
Do Nothing - Most definately the worst choice of all! If you are facing foreclosure and choose to do nothing, your home would be lost at foreclosure auction. This could leave you in a position with deficiency judgements from the lender. As well, it is likely that your credit would be damaged making it almost impossible to get another loan to purchase another home.


