(877) 242-4494
Common Services
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Modification |

If you have fallen behind, you should consider working out a modification to your loan with your lender.  In many instances, the lender will allow you to tack the missed payments onto the back end of your loan so long as you continue making the remaining mortgage payments as they come due.
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Repayment plans |

Under one typical approach, the amount of the arrearage is divided up into twelve equal parts and repaid over a period of one year.  The second variation often requires a lump sum payment to the lender in the amount of one-half the past due amounts, with an increase in your monthly mortgage until the balance is paid in full.
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Short Sale |

A short sale occurs when a buyer seeks to buy your home for less than what is owed on the mortgage and requires agreement from the lender.  However, keep in mind that a short-sale takes a much longer time to complete and may result in 1099 income and results in tax consequences. One of the advantages you are bargaining for in a short sale is a release of liability from your lender.
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Refinancing |

If you are currently in an adjustable rate mortgage, and you have a decent credit score, a good solution for you to consider is refinancing into a fixed rate mortgage.  However, be mindful that you may be required to contribute a down payment in order to get into the fixed rate loan.
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Bankruptcy |

In some instances, Bankruptcy can assist in keeping your house.  Whether this is possible, and whether it is in the best interests of the homeowner requires a fact-specific analysis. Consult with a knowledgeable attorney if you are considering this option.
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Deed in lieu |

Here, you essentially agree to give (deed) your house back to the lender in return for the lender deeming that the loan is fully satisfied and releasing the borrower from any further liability on the loan.  Be sure to negotiate this essential term in writing with the lender prior to executing the deed
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FHA |

Homeowners with FHA loans have additional remedies available to them.  Contact the FHA directly to discuss your options
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Selling |

Selling your home can protect your credit score and/or free up room in your budget for other items.  Be prepared to market your home aggressively in regards to the price.  If you do sell, you may able to rent a similar size home for less than you were paying on your mortgage.

CASE RESULTS

$995,000

SETTLEMENT

Jacob S.
"Wrongful Foreclosure"

$1.2 MILLION

SAVINGS

Barbara W
"Short Sale"

$248,644

SETTLEMENT

John E.
"Wrongful Foreclosure"

$248,644

DISCHARGE

Peter G.
"BK Discharge"

$877,466

SETTLEMENT

Kavika K.
"Litigation Award"

$561,000

DISCHARGED

Luis A.
"Savings"

$200,000

SETTLEMENT

Masarion .
"Jury Settlement"

$1.4 Million

VERDICT

Amir K.
"Lender Litigation"

$197,212

SETTLEMENT

Albert M.
"Lender Litigation"

$88,000

AWARD

Georgina G.
"Lender Litigation"

FORECLOSURE VIDEO


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