FACING FORECLOSURE

TIME IS OF THE ESSENCE - CALL TODAY!

We make sure we speak in–depth with each and every homeowner who is looking for our services to make sure it is a good fit for them as well as our company. We work with people who are ready for their options and are ready to take the necessary steps.

Call today so we can share with you the options that are available to you!

Please don't wait another day – act now! If you wait too long before calling, we may not have enough time to help you.

Remember, our services are free of charge with NO OBLIGATIONS! Our company is here to help you understand the options available to you. We're aware of the hardship you're going through and we know that it doesn't just go away. However, we are dedicated to do what we can to get you past this situation and ON WITH YOUR LIFE and after all, that is what you want isn't it?!

What is foreclosure?
Foreclosure is the process in which a lender will take back ownership of a property because there has been a lack of payments. The lender has a right to do this because upon taking out a loan for a mortgage, a homeowner states that they will pay down their loan on a monthly basis until it is paid in full. Once payments are missed, the lender will immediately act on their right to take back the property and the homeowner will be required to leave.

Just how damaging are the consequences of having a foreclosure on my credit record?
A foreclosure is, by far, one of the worst marks you can have on your credit history. Future creditors consider mortgage payments to be the most important payments to maintain. So when they discover that a potential borrower has lost his/her house to foreclosure, lending to that potential borrower represents the highest degree of risk to them.

On top of that, a foreclosure will remain on your credit history for up to SEVEN years. Even if you are not interested in purchasing another house, a foreclosure will cause higher interest rates on credit cards, decreased rental options, higher interest rates on auto insurance, and decreased employment options. Sadly, that is something that cannot be ignored and will not just go away!

NOTE:  Did you know, if you do go into foreclosure your lender(s) may have the right to pursue a JUDGMENT against you in addition to completing a foreclosure? This means that once they sell your property, they will come after you for the difference in what they sold it for and what you owe on it. This does surprise many homeowners and it is our goal to show you how we can help our clients avoid such judgments.

However, once we have provided you with the necessary information and you do feel comfortable with what we're saying, you will want to work with us. We are here not to tell you what you should do but to offer our services to you in order to educate you on your choices. Then you can move on with your life and walk away from such a heavy burden!

What is a short sale?
A short sale is when a second party, such as us, will negotiate directly with your lender to take less for your property than what is actually owed. Because there is more owed on the house than what it's actually worth at fair market value (what other houses in your area and size range are selling for), it becomes un – sellable. The back payments become higher and higher, the value of the house drops lower and lower, and homeowners find themselves in more and more debt. We are not realtors and we do not want to purchase your home as is because there is more owed on it than it's actually worth. However, our goal is to work with the lender to take a discounted price on the property so you as a homeowner can move on.

Why a short sale?
The reason a short sale can so beneficial is because it allows for you to avoid foreclosure and to walk away from house free and clear. Though it is not a guaranteed strategy, it does open the door for you to be more proactive instead of just being reactive to a foreclosure. Without doing a short sale, the labor and time constraints of trying to sell the home can be very stressful and often times unsuccessful. So it is our goal to take some of that stress off of you and allow for you to move on with your life and after all, that is what you want isn't it?

* Though we do our best to produce the highest level of success for you and your family, we do not guarantee anything and we are not attorneys or lawyers, which means we cannot lawfully advise you in your decisions. However, we can put you in contact with professionals in such fields who can give you legal advice.

* We do not provide credit repair services but we do have professionals who can meet with you, get you back on your feet, and build your credit up to where you want it to be.

Can I do this by myself?
Naturally, all of us as homeowners are going to want to take matters into our own hands. Unfortunately, in the case of foreclosure, that is limited. As a homeowner you can contact your lender in regards to refinancing or forbearance. However, you cannot do a short sale. Because there are late payments on your mortgage, which causes your owed balance to be higher than what you originally owe, there has to be a second party to step in to work a short sale with your lender.

We pride ourselves in being that second party and commit to dealing with the lenders so you don't have to.

This is our full time job, we do take it seriously, and we work with the utmost integrity on behalf of our clients.

Is it too early to receive your help if my house is not currently in foreclosure, but I anticipate that it will be in the near future?
Absolutely not! We can still help. The sooner you can call us, the better!

Once the foreclosure process has begun, how long will it take until my house is sold at auction?
It depends on each state and their specific laws. In Tennessee you are given 21 – 30 days.

Will I be excluded from any information?
That's a great question! No, you will absolutely not. We will keep you informed each and every step along the way.

Can I have my house back when all of this is taken care of?
We understand why that is something you would want to do and it may be possible to accomplish such a task, however, our company specializes in helping our clients avoid foreclosure while arranging for a new buyer to acquire the house.

Don't ignore the problem – Just be aware of your rights! Knowledge is power! - Contact us today.