Keep your property. Avoid foreclosure. Save your credit.
Free, no obligation group consultation, or private, in-person appointment in the property
No up front fees...don’t ever pay an upfront fee for pre-foreclosure distress representation
If you have missed at least 1 mortgage payment, and/or your lender has filed a formal pre-foreclosure Notice of Default (NOD):
Potential Benefits of a Distress Relief Consultation:
Loan modification. You may have opportunity to receive a loan modification with a principal write-down (i.e., a reduction in the amount you owe) that would reduce your monthly payments.
Forbearance. If you are unemployed, you may have an opportunity to get mortgage payment forbearance (the lender will delay foreclosure and offer a plan for allowing you to catch up on payments).
Short sale. You may have the opportunity to have the bank facilitate a short sale (i.e., you would sell your property for less than the amount of the mortgage to avoid a foreclosure).
Deed in lieu. You may have an opportunity to proceed with a “deed in lieu of foreclosure” (i.e., you give the lender all legal rights to the property in exchange for its agreement not to pursue foreclosure formally).
Relocation assistance. You may be able to get funds to help pay relocation expenses following a foreclosure.
Relief from further financial obligations after home sale. You may have an opportunity to receive relief from paying some or all of the amounts that might still be legally owed on the mortgage loan following a foreclosure sale or short sale.
Equity Sale and Delinquency Resolution: You may qualify to have a private investor or buyer relieve you of the financial cost of the delinquency, and purchase the property from you at or above the current market value. You will simply choose a location for your next home, and list your home for sale with a reputable Real Estate Broker.
America's Servicing Company Aurora Loan Services
BAC Home Loans Servicing Bank of America
Beneficial Chase Citibank CitiFinancial CitiMortgage
EMC Everbank/Everhome Financial Freedom GMAC Mortgage HFC
Sovereign Bank SunTrust Mortgage U.S. Bank Wachovia Washington Mutual Wells Fargo Wilshire Credit