Stop Foreclosure and Eliminate Your Debt! We will call you immediately and resolve your mortgage problems! Or call us now at 888-899-2308! We are here to help with your Total financial picture by restoring your mortgage into good standings, reducing debt with financing, or settlement, and giving you a complete Fresh start. We have attorneys, and employees from some of the largest lenders here to work for you! First, we will stop all foreclosure proceedings and find the perfect solution for you. We have helped tens of thousands of homeowners in the last 15 years, and stand by our guarantee of saving your home. We will get you a low fixed rate, and resolve all back payments, late fees, attorney fees, and penalties. Some of our immediate options include : Loan Modifications Loss Mitigation Foreclosure Financing Lines of Credit Reverse Mortgages Forbearance Agreements Loan Restructuring Redemptions Hard Money Loans Reinstatement Plans Forbearance Restructuring Short Sales Second, if you have any unsecured debt that cannot be handled with our foreclosure services, or a refinance, we will settle it for pennies on the dollar. This is also a free consultation in addition to our home saving services. Advantages of debt settlement include : Cut Debt by 70% Stop all collection calls Save $1,000's in interest Debt Free in two years Save $100's each month Works on all unsecured debt Restore any bad credit One lower monthly payment More money for your mortgage Imagine having your foreclosure stopped, mortgage reduced, debt settled, and a new start on life. Let us to this for you today. Please take the time to fill out the form below. It is a free consultation but it may be the difference in keeping your home or not, and paving the way for your financial security! Borrower Information Your First Name: Please fill in your first name. Your Last Name: Please fill in your last name. Co-Applicant's First Name: Co-Applicant's Last Name: Email Address: Please fill in your e-mail address. Home Phone : Work Phone: Cell Phone : Best Time to Contact You? Morning Afternoon Evening Preferred Means Of Contact Home Phone Work Phone Cell Phone Email Current Address: City: State: -Select- AL AR AK AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VT VA WA WI WV WY   Zip:   Total Unsecured Debt: $ Unsecured Debt Payments : $ Loan Information Months Behind : Not Behind Yet 1-2 months 3-4 months 5-6 months 7-8 months 9-10 months 11-12 months 13+ months First Mortgage Amount : $ First Mortgage Payment : $ Second Mortgage Amount : $ Second Mortgage Payment : $ Current Loan Type: Subprime FHA VA Conventional Property Information Property Use:            PrimarySecondaryInvestment Estimated Home Value: $ Comments

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Foreclosure and Debt Facing foreclosure can be overwhelming and scary, but by taking the right steps you may be able to keep your home and save your credit. The following information is provided to help give you a better understanding of loan modifications. Overview of Loan Modifications A loan modification is one of the best options available for struggling homeowners and lenders alike. A loan modification is beneficial to the borrower because it allows the individual or family to remain in their home and grants them loan terms that work better for their particular life style or situation. A loan modification in comparison to foreclosure, bankruptcy, or some of the other options, allows the borrower to keep their credit score intact. Loan modifications are also beneficial to banks and lenders, especially with foreclosure rates sky rocketing in the last few years. Banks lose a lot of money in a foreclosure. Not only does it cost money to go through with a foreclosure but it often results in an overall loss for the banks, as the homes often sell for less than they are worth, or less than the outstanding loan amount itself. In a CNN report on March 6, 2008 Bob Moulton of America Mortgage said, "It's cheaper for a bank to renegotiate payments than to chase someone and miss out on monthly mortgage payments." This is entirely true; banks lose over 50 cents to the dollar on homes that are sold through foreclosure auctions. Loan modification is a long-term solution that will help the borrower make their loan payments and stay in their home. This can be accomplished by: decreasing the interest rate changing from a variable to a fixed rate mortgage extending the term of the loan (the period of time the borrower has to pay the loan back) switching to a different type of loan altogether Some forms of loan modifications are more easily obtained than others. One of the easiest ways to modify your loan is to ask for a decrease in the interest rate. Most lenders are willing to aggressively decrease interest rates for qualified applicants. A decreased interest rate can save you anywhere from a few hundred to a thousand dollars every month; this depends on the amount of your loan. Lengthening your loan is another way to modify, which is often not too difficult to have a lender carry out. By increasing the number of years you have to pay off a loan a homeowner can decrease their monthly payment by a couple hundred dollars. However, it should be noted that this option increases the overall amount of the repayment as extra interest accrues over the extended period of the loan. A principle balance reduction is the most difficult loan modification to obtain. This involves the lender forgiving a portion of your debt. It is very difficult to get a lender to agree to this type of modification, because the lender has to report that money as a loss on its balance sheet and the purpose of the loan mod is to minimize losses. Background on Loan Modifications Sub-prime mortgage practices deserve much of the blame for the current crisis. Throughout the early part of this decade, mortgage lenders earned huge profits lending money to borrowers with questionable credit histories. The roaring housing market and the availability of easy credit perpetuated a cycle of refinancing whereby a borrower that could no longer afford their monthly mortgage payment could simply refinance into a new mortgage; often at a low teaser rate. Once the housing market stalled, however, sub-prime borrowers found themselves unable to refinance. This led to record numbers of foreclosures. As reported in a New York Times article in December 2006, "about 1.1 million homeowners who took out sub-prime loans in the last two years will lose their houses in the next few years." The article further explains that, "foreclosure will cost those homeowners an estimated $74.6 billion, primarily in equity." Recently, a new wave of problems has arisen from so-called Alternative-A loans. These Alt-A loans were very popular over the past several years among self-employed borrowers or those with stated incomes. Many individuals who obtained Alt-A loans have been unable to stay current on their mortgage payments, especially as those loans have adjusted to higher interest rates. With housing prices dropping, borrowers are finding themselves upside-down and actually owing more on their loan than the value of their home.

Foreclosure and Debt Hope For HomeOwners Program : HomeOwner Help 2009 The government is trying to help decrease the housing crisis by offering the "Hope for Homeowners" program. It is a FHA refinancing choice for homeowners who have adjustable rate mortgage loans. Their goal is to decrease the rate of foreclosures in the country by putting them into fixed-rate mortgages. It is scheduled to run until September of 2011. How to Qualify for FHA Hope Refinancing Program Initially, you will have to get in touch with a lender who is approved to FHA loan and see if you are qualified for the FHA refinance Hope program. As usual, there are specific conditions for the program. Some standard conditions for FHA refinancing include: Your current mortgage loan began on or before 1/1/08. Your monthly mortgage payments are more than 31% of your gross monthly income (as of 3/1/08). You did not intentionally become late on your payments. You have never been convicted of fraud. You do not own other residential real estate. You did not input false data on your mortgage application to get the original loan. These are the minimum conditions to qualify for the FHA Refinance Hope program. Moreover, there may be additional conditions based on your file. Common Questions and Answers The main objective of the FHA Hope program is to assist at-risk homeowners (who are close to foreclosure) to refinance out of an ARM and into an affordable fixed-rate mortgage loan. This benefit should decrease the borrower's monthly payments who enroll into this FHA loan program.

Foreclosure and Debt If you are on the verge of losing your home to foreclosure there are some options you can take if you act now. It may seem rather gloomy if you are facing the possibility of having the bank foreclose on your home, but it may not be too late. A foreclosure loan could be the perfect answer in a difficult time. Foreclosure Loan Explained Banks and lending institutions throughout the country have special foreclosure loan programs specifically designed to help people from losing their homes and/or property. A foreclosure loan program is instituted through additional funds from certain companies that are willing to work with certain people. How Does It Work? Basically, the short answer is… These companies pay off your old loan and then give you a new loan. The new foreclosure loan stretches out your payments over a longer period of time. By extending your foreclosure loan period it allows you to make payments in an amount you can afford. Each plan will be catered to your specific needs. Where Do I Start? You can start your search for a possible foreclosure loan by contacting a bank or loan institution in your area. You may also be able to get information from your local city chamber of commerce. These loans are not available to everyone, but it is worth checking into if you are faced with this situation. One more option for finding the right foreclosure loan is to talk with others who have obtained a foreclosure loan. Qualifications will be different for every situation. Most people will assume that they do not qualify for any type of loan, but you just might be surprised. If this option does not work maybe you can negotiate on your current loan.