Learn How to Avoid or Stop Foreclosure and
Get the Cash You Need!

If you are headed toward foreclosure or are already in foreclosure, you need to know the rights and options available to you! Only then can you save your house, save your credit, or save your equity before it’s gone forever.

Once you get behind on your payments, the clock is ticking. The sooner you decide on the course of action, the more cash you and your family can pull out of your house, and the better chance you will have of stopping the bank from taking your home.

Here are some of the options available to you:

1. Raise enough cash to cure the default and stay in your home.

   There are several creative ways to do this. We can help you identify the methods to keep your house if you feel you can still afford to stay in it. On the other hand, if you decide to sell your house, we might be able to buy it and give you cash for your equity in as little as 14 days.

2. Get a new mortgage.

   You will need to borrow enough to pay off what’s owed to your current lender, all back payments, late fees, attorney fees and all the closing costs to obtain a new loan. If you are able to realistically commit to a larger mortgage obligation, we can help you explore this option.

3. Sell your house now.

   There is a very real possibility that we can buy your house quickly and easily. There is no need to go through the uncertainty of trying to sell it yourself. There is no need to spend money fixing up your house to please a picky buyer.

   • We can buy your house “as is”.
   • We can close on the date of your choice.
   • We can handle all of the paperwork.
   • We can give you cash for your equity.

   We do not charge a fee or commission, so there is no cost to you. We can close in 14 days and by acting now, you can get the most money out of your house.

   The biggest reason for you to allow us to help cure your loan, refinance your debt, or sell your house is to keep a foreclosure off your record. That is really important so that you will not have to experience the frustration of being turned down for a future mortgage, a nice house to rent, or a fair insurance quote when you have severely damaged credit.

   It’s important to know that after your bank forecloses on your home, you will always have the foreclosure on your record, which will impact all your financial dealings in the future. All mortgage applications currently ask if you have EVER had a foreclosure. You will have to say “yes” for the rest of your life unless you avoid it right now by discovering your options and taking positive action.

4. Have us negotiate a “short sale” with your lender to stop the foreclosure.

   A short sale is a negotiated settlement with your lender that allows you to sell your home at a discount. This situation applies to the majority of homeowners who are in trouble today because they owe more on their mortgage than the property is worth in today’s down market.

   Although your lender will not offer this discount to you, we can negotiate with them for you and buy your house for less than what you owe on it. This is a win for you in that the foreclosure comes off your record and you can move on with your life. It is in the bank’s best interests as well, in that they do not have to foreclose on your house. Even if there is an auction date already scheduled, it is not too late if you start moving on it now!

5. Do nothing and wait.

   Some borrowers even think they will benefit from “free rent” until the bank hires the local sheriff to throw them out. But wouldn’t you rather have debt relief, emotional relief, and some seed money to start fresh in a new home? But most of all, you will want to keep a foreclosure off your credit report if at all possible.

   Equity in real estate takes years to build but it can be wiped out in a single day once your house is sold at public auction. Let us help you examine all the options you have available NOW. Then you’ll be able to make a decision based on real facts, not wishful thinking.

Then let us help you save as much of your equity as possible. Even if you have little or no equity, we know several ways to create it by renegotiating with your lender (called a short sale), generating enough cash to give you something, rather than nothing.

In fact, if you have the ability to pay more than you are obligated to pay each month now (perhaps because the financial setback you experienced was temporary), it is possible for us to negotiate a plan with your lender to keep you in your home and get you back on track.

From our experience, only 1 out of 9 families we consult with who are facing foreclosure are able to save their home by agreeing to pay MORE each month. So, it may be in your best interest to explore your options for selling quickly at no expense to you.

When you decide to sell, you will need a new home. Maybe you can stay with friends or family, or maybe find a new place of your own.

Damaged credit will limit where you can move. Landlords and lenders will look closely at your ability to keep up with your financial obligations. But, once we’re working with you, and we understand your situation, we may be able to get you into one of OUR homes with flexible seller financing. We may also be able to trade properties. We can at least help you get into a rental property.

We will gather the details on your situation. Then we can offer you several solutions. There is no cost or obligation and we will hold everything in strict confidence. Once we have your details, we may be able to:

• Put up the money to cure your default, or . . .
• Help you get a new loan, or . . .
• Renegotiate your obligation with the lender, or . . .
• Make you an acceptable CASH offer to buy your house “as is”!

We do not recommend that you try to sell your house on your own unless your loan is current and you have time to test the market. Bankruptcy should always be used as a last resort because (in our opinion). It rarely produces the result homeowners expect or hope for.

We also do not recommend filing bankruptcy to stop a foreclosure, because it won’t. It only delays the inevitable while the amount owed grows to an unrecoverable amount. Know that the bank that lent you the money on your house will get their money or your house! They are a secured creditor. Bankruptcy will never wipe out your mortgage debt. You cannot avoid foreclosure by filing bankruptcy!

We do recommend that you allow us to explore ways to raise cash needed to cure your default or stop a foreclosure. We will either put up the money ourselves or help you locate a reliable source of funds. If refinancing your house makes sense, we will help investigate that.

Let us offer you a fresh start and brighter future.
Put an end to the stress and emotional hardship you may be experiencing right now. Sure, you may find an answer on your own without our being involved. But you owe it to yourself and perhaps to your family to get any help you could use. We want to help. It’s what we do everyday.

Will you take the next step?
If you want more information without risk, we will need to get some information about your situation and your property. You can call us directly for a FREE, friendly, no obligation consultation. We will be happy to speak with you.

After evaluating your situation, we will gladly call you back and share our ideas with you. Then, if you decide it’s best to sell your house, we will come out and make you a fair purchase offer that will put cash in your pocket at closing.

If you prefer to keep your house, we will explore how to raise the cash needed to avoid losing it.

So, please call us. We will explain everything in clear, easy to understand terms. You will still have all your other options available if it’s determined we are not your best solution.

Don’t forget!
If you are behind on your house payments and do not have an immediate plan to cure your default, it is only a matter of time before your name will appear on public record as “someone in distress.”

Then, you will have to deal with a barrage of real estate agents, mortgage brokers and real estate investors hoping to capitalize on your misfortune.

Perhaps you have already experienced that! We hope not. It can be very embarrassing and upsetting.

Help is only a call or a click away!