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Foreclosure help in saving your home or helping you keep your real estate property has several different options for you to choose from.  Depending on your real estate equity position and your what payments you can afford will determine the best strategy if you would like to keep your family in the house. Our professional staff of real estate loss mitigation specialist will work diligently with your lender to facilitate a solutions that fit your goals. The following foreclosure help options are the most common ways we assist homeowners that are facing foreclosure.

With a loan restructure or loan modification is one way for homeowners to maintain their residence.

The mortgage modification or loan modification program will allow most homeowners who can make affordable payments to keep their home. Generally the homeowner that has had a ARM loan payment go up in the monthly amount or their ARM loan 'rest' will cause the homeowner to get behind in their monthly payments. Proactively counseling our client and aggressively negotiating with your mortgage bank or lender we are capable of modifying the original loan and/or mortgage loan payment to give you the homeowner, a fresh start in managing.

Quick definitions of Loan Restructuring:

Loan Modifications: Your current lender allows one or more of these changes to occur. Either a change to the interest rate, loan amount or payment. This could stop a real estate foreclosure.

Loan Forbearance:Your current lender will negotiate to pay a portion of the delinquent amount up front and the remainder will be paid over the next twelve months.  Some forbearance agreements allow some or all of the delinquencies to be tacked on the back of the loan. This would stop your real estate foreclosure.

Loan Refinance:Using an institutional lender that specializes in foreclosure bailouts or the FHA Secure Program. The property owner must have some equity in their property.

Loan Reinstatement:Either using an institutional lender or a private lender (a.k.a. hard money) acquire short term small loan to bring 1st mortgage current. Again must have some equity. Also most loans will carry higher rates.

Forensic Loan Audit:Review all loan documents. Perform a thorough investigation for miscalculations and to determine if the loan terms are accurate, truthful, and met the requirements of the applicable federal statutes such as TILA and RESPA.  If there are violations found, then the borrower may be eligible for complete relief of the predatory loan such as a loan rescission. Meaning the lender takes back the "predatory loan" and awards or credits back to the borrower all interest made on payments made thus far, the loan origination fees, with all applicable lenders fee charges, with penalties and attorney's fees.  Or it could allow the borrower to get a new loan with a smaller principle, meaning that the mortgage can be affordable and non-predatory