Have you come to the conclusion that you just cannot afford your mortgage payment anymore? Are you unclear as to what your options are?

We understand this is a trying time and we would like to help answer any questions you may have and go over every option with you. The worst thing you could ever do is just walk away from the home without knowing all of your options.

A short sale is when your bank allows you to sell the home for less than what you owe. They settle for less than the full balance. When you owe more than your home is worth you will not be able to sell it for the amount owed.

Live in the home longer (while the process is being negotiated you can usually stay in the home where as in a foreclosure they may ask you to vacate the premise at a moment's notice) There are many reasons to consider a short sale. Reasons include: Job loss, a payment increase, property values decreasing, stress, divorce, and more.

Banks want to be liquid right now and they are accepting short sales every day. You must deal with a company that understands short sales and has the tools to do them right.

Please call us at the number provided under contact us or fill out this secure online application and we will contact you right away!

A loan modification is when you change or modify your existing loan in order to save your home from foreclosure. The goal is to get your loan current and lower your payment.

Types of modification results are: Rate reduction, term extension, forbearance and repayment plans. We have the tools to help you put together a modification package and pre-qualify you for a loan mod.

We are loss mitigation experts and we can help you put together a modification package anytime. Our experts will give you all of your options. In some cases it is better to attempt a modification prior to the short sale. We will let you know if that is the case. Keep in mind most modifications take between 3-6 months to complete and in that time your needs may change. Let us know how we can help you.

There is an easy online application on the left hand side of this page. If you would like see if you qualify for a short sale or a loan modification please fill out either application. We will prequalify you and contact you once we receive the application. Our distressed property experts will go over all of your options. The best defense against foreclosure is education. Learn from the best.

Why consider a short sale?

• It can save your credit
• It can prevent future collection activity (banks often come after people for the deficiency between what they sell the home for and what you owed)
• Peace of mind
• Tax benefits
• Live in the home longer (while the process is being negotiated you can usually stay in the home where as in a foreclosure they may ask you to vacate the premise at a moment's notice)