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Exploring Mortgage Options & Solutions

Refinance: 

This will only be possible if you have one or a combination of any of the following factors: a good credit rating, or equity in your home.

Loan Modification:

If a refinance is not possible, then a loan modification would be the next option. Many homeowners are not aware of this option and will go directly to a short sale. Many times a loan modification will solve the problem. 

A loan modification will consist of one of the following or a combination of one or more: rate reduction, conversion of adjustable to fixed, principal balance reduction, capitalization of interest owed, term extension, step rate and a forbearance plan. 

Various packages are available. We can process the entire loan modification for you, or we can instruct you on how to package your own loan modification.

Short Sale: 

The decision to sell your home should only be considered after a loan modification has been declined or you decided that you don’t want to keep your home or can’t afford the payments. A short sale needs investor approval for the following reasons: must have a legitimate offer, must have a fully qualified buyer and it must make sense. You also must remember to consult your tax professional as you might have tax consequences.

Foreclosure: 

If you have explored all previous options and had no success, then you should consult an attorney to get legal advice. At this point home owner’s options will be very limited. A foreclosure will be reported on your credit for up to 7 years. This is a position where no home owner wants to be!!