FREE Foreclosure Prevention Services
Homeowners, are you having
trouble paying your mortgage?
Whether you're in foreclosure now or worried about it in the future,
we have information that can help.
Haven't missed a house payment yet, but afraid you might?
Has your financial situation changed due to a mortgage payment
increase, loss of job, divorce, medical expenses, increase in taxes or
other reasons?
If it’s becoming harder to make your house payment each month, and
you live in the State of California, we may be able to help you.
Few people think they will lose their home, they think they have more
time. Here's how it happens. Note:
First month missed payment, your lender will contact you by
letter or phone. We may be able to assist you
in talking with your lender to help you avoid foreclosure.
Second month missed payment, your lender is likely to begin
calling you to discuss why you have not made your payments. It is
important that you take their phone calls and do not ignore their
letters. Talk to your lender and explain your situation and what you are
trying to do to resolve it. At this time, you still may be able to make
one payment to prevent yourself from falling three months behind.
We may be able to assist you in talking to your
lender with help you avoid foreclosure.
Third month missed payment, after the third payment is missed, you
will receive a letter from you lender stating the amount you are
delinquent, and that you have 30 days to bring your mortgage current.
This is called a "Demand Letter" or "Notice to Accelerate". If you do
not pay the specified amount or make some type of arrangements by the
given date, the lender may begin foreclosure proceedings. They are
unlikely to accept less than the total due without arrangements being
made if you receive this letter. You still have time to work something
out with your lender. We may be able to assist
you in talking with your lender to help you avoid foreclosure.
Fourth month missed payment, now you are nearing the end of time
allowed in your Demand or Notice to Accelerate Letter. When the 30 days
ends, if you have not paid the full amount or worked our arrangements
you will be referred to your lender's attorneys. You will incur all
attorney fees as part of your delinquency.
We
may be able to assist you in talking with your lender to help you avoid
foreclosure.
Sheriff's or Public Trustee's Sale, the attorney will schedule a
Sale. This is the actual day of foreclosure. You may be notified of the
date by mail, a notice is taped to your door, and the sale may be
advertised in a local paper. The time between the Demand or Notice to
Accelerate Letter and the actual Sale varies by state. In some states it
can be as quick as 2-3 months. This is not the move-out date, but the
end is near. You have until the date of sale to make arrangements with
your lender, or pay the total amount owed, including attorney fees.
Redemption Period, after the sale date, you may enter a redemption
period. You will be notified of your time frame on the same notice that
your state uses for your Sheriff's or Public Trustee's Sale.
Avoid foreclosure prevention companies!
You don't need to pay fees for foreclosure prevention help-use
that money to pay the mortgage instead. Many for-profit companies
will contact you promising to negotiate with your lender. While
these may be legitimate businesses, they will charge you a hefty
fee (often two or three month's mortgage payment) for information
and services your lender or a Trusted Real Estate Professional
will provide free if you contact them.
Don't lose your house to foreclosure recovery scams!
If any firm claims they can stop your foreclosure immediately if
you sign a document appointing them to act on your behalf, you may
well be signing over the title to your property and becoming a
renter in your own home! Never sign a legal document without
reading and understanding all the terms and getting professional
advice from an attorney, Trusted Real Estate Professional. |
|
Why Are We Willing To Help You FREE of Charge?
Because When You Need a Home Loan or Real Estate Services in The
Future, We Know You Will Think About us First. |
Are You a California Homeowner? Let us Help YOU SAVE your home, Through
our FREE Foreclosure Prevention Service.
Simply Fill Out The Form Bellow
Work With
The Best!
