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What is pre-foreclosure?Banks lend money and take back mortgages as collateral for their loans. If you are behind on payments for 30 days, the loan hits the default stage. After 90 days, your name and property will be publicized at your courthouse on public records -- known as the 90-day Notice of Default or N.O.D. The bank does not own your home at this stage. This is the pre-foreclosure stage. This is the time you can find solutions to stop foreclosure! What is Foreclosure?Once the Notice of Default (N.O.D.) is recorded, it may take the bank a few weeks to a few months to set a trustee's sale date to auction off your property. The foreclosure takes place when your property is sold at the auction. Why do you need to avoid foreclosure?When the foreclosure is completed, the derogatory record can stay in your credit reports for up to 10 years. Foreclosure is usually seen as a RED Light for future lenders to give you a loan. Even if you have re-established your credit to some extent, you still can be categorized as "high risk borrower" and be charged a higher interest rate for your loans. You want to do everything possible to avoid foreclosure; otherwise, you can be in a "financial prison" for many years to come! Walking away from your house and delinquent payments now can bring you more financial difficulty and stress in the future! What can we do to help?Every individual has a unique life situation. Being behind on payments could be caused by divorce, illnesses, loss of job, death in the family, etc. This could happen to any nice, decent human beings! Therefore, you need to relive your negative emotions associated with foreclosure, such as shame, guilt, anger and denial. If you open yourself up for help, chances are you will be able to get out of the rut faster. We are professionals who specialize in helping people in foreclosure find solutions. The following is some example of solutions:
How do you start?Just click on the following link, fill out a questionnaire, and e-mail it to us. We will contact you to have a no-obligation discussion, and decide the best way to stop your foreclosure. Guaranteed offer!We guarantee to offer you a viable solution! If you get a better written-offer more beneficial than our proposal, we will cancel our contract even if we've already begun our evaluation process! You have nothing to lose, but everything to gain by contacting us immediately! Just click on the following link, fill out the questionnaire, and click on "Submit". It's as simple as 1, 2, and 3... . |
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