You have a Choice
We have a Solution
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Don’t Give Up, You Have Options
Are you currently experiencing a personal hardship? Are you facing a difficult time in your life that is causing you to fall behind on your financial obligations? If so, you are not alone. In fact there are hundreds of thousands of people who are in the same situations and the next step is completely up to you.
Options Available To You
Reinstatement
This is the process of repaying all missed payments, late charges and or any other fees incurred while the loan was delinquent. This option is by far the best options if you want to keep your home. If you are in the position and want help on how to reinstate your loan and avoid foreclosure we are here to help. If you find that you are not able to financially satisfy your delinquent payments scroll to option # 2.
Loan Modification
A loan modification is an option which some lenders may offer. Simply stated, the lender may offer you a lower interest rate and or a longer period to pay off the mortgage, therefore providing you with lower payments. Its not as simple as it sounds. There is a lot of work involved and your lender does not have to honor a loan modification. Modification are qualification based. If you are considering this option we are here to advise. There is no costs involved for modification assistance.
Short Sale
Selling your home “short” means that your mortgage is greater than what your property is worth. If you are behind on your payments and your loan amount is greater than what your home is currently worth and you do not have the means to continue to make your payments a short sale is an option for you. In efforts to avoid foreclosure, a short sale will allow you to sell your home without having to pay any fees or commission. Your lender may also offer you money in efforts to help you relocate into a new home. This option is a win-win for you and the lender. This selling process is not fast. Entertaining into a agreement to short sale your home with your lender will allow you additional time to stay in your home. Call our office and find out more about this option and how it can work for you.