You are not alone. Millions of people work hard every day to pay relentless bills, one after the other. The largest bill for most people is their mortgage payment. The stress over not being able to make your mortgage payment may seem unbearable, but there are actions you can take to obtain the foreclosure help you need, especially if you live in California.
We understand it is frustrating to sit on the phone with your Lender, explain your situation over and over again, hold for hours only to be disconnected and start all over again. The process is overwhelming to say the least. Our job is to do the hard work for you with your Lender to get you the best solution possible and lessen your emotional and financial burden.
Many of our trained professionals have spent years working for people much like you to get the best resolution possible to save your home, your money, and your time. The sooner you reach out to us, the sooner help can get to you.
Financial difficulty does not discriminate. It can affect people of all occupations, all over the country. Financial difficulties are most often associated with major life changes such as:
- Job loss
- Cuts in work hours or overtime
- Decrease in home value
- Illness, injury, or death of a family member
- Divorce or Separation
- Payment adjustments
Whether your mortgage is for $100,000 or millions of dollars, you must take the first step so we can work with your lender to find a solution. Our goal is to fortify you and your community and prevent the unnecessary losses that are facing so many home owners today. We provide foreclosure help for hundreds of families in Florida, California, Arizona and Nevada. Please take the time to review your goals and see if we are a good fit for you.
National Statistics show the number 1 reason people lose their home is: Lack of knowledge. Let us help you be part of the solution not the statistic.
Foreclosures have spiked on a national level during the first three months of the year, and they continue to climb as we near the close of 2008. Current trends and Borrowers thought processes are putting this Nations already unstable economic stability at a risk that has not been experienced since the great depression of the ‘30’s.
Meanwhile, the number of Americans at risk for losing their homes has risen during the first quarter to unprecedented numbers as a direct result of the trickle down effect that is happening to commerce both locally and abroad. Almost one in ten U.S. mortgage holders faced foreclosure or were behind in their payments in third quarter of 2008.
There is a back lash that is being created by home owners walking away from their homes because the property value is lower than what they currently owe on it. Home Owners fail to realize that they will be 1099’d at the end of the year and become responsible for all or part of Mortgage that they walk away from. As a homeowner getting foreclosure help from us, we will work hand in hand with you to advise you on how to possibly avoid this taxation that may come back to haunt you long after you loose your home..
With home prices expected to keep dropping, foreclosures and late payments are going to continue to go up in the months ahead, this trend is anticipated to continue through 2009. Borrowers are left owing more to the Bank than their homes are worth. They are under the impression that they can’t sell without taking a financial hit, so they just walk away. The error in this thought process is the effect that our economic instability will be much worse than what this country has seen since the great depression in the ‘30’s. failure to take responsible action with ones own fiduciary responsibilities will effect the borrowers ability to bring their own economic stability to a place of comfort for years after the U. S. economy stabilizes.
Nationally, about 2.47 percent of mortgage holders were in foreclosure in the first quarter, and loans that were overdue by one or more payments grew to 6.35 percent. Both figures are the highest since 1979 and collectively represent about one in ten mortgage holders. As FDIC affiliated organizations become in jeopardy of being reorganized by the federal government for having a risk factor in negative holdings that exceeds governmental guide lines, it becomes more important then ever for Home Owners to start taking responsibility of their choices and not walk away from their fiduciary responsibilities as this is systematically destroying our personal financial future and our Country’s economy.
There is a solution to this trend.
Loss Mitigation Programs were established by the Federal Government and the Mortgage Industry in order to stop home foreclosures. They help foreclosure victims in default on their mortgages to find alternatives to home foreclosure. Every Home Owner’s situation is unique and each lender has their own policies regarding the use of these programs to stop foreclosure. Our extensive experience and solid working relationships with Mortgage Lenders allows us help you avoid the common pitfalls that many Home Owners encounter while trying to work things out directly with their lender. After performing a thorough assessment of a Home Owners personal finances and analyzing your lender’s Loss Mitigation policies our professional mitigation experts will present your lender with a proposal to get you the best possible solution to your home foreclosure problem. We can help you save your home and credit history through a variety of loss mitigation options.
The longer you wait, the harder it is for us to help you. Yes, we often do pull Clients out of the fire at the last minute but consider this… If your house payments are more than a month behind, your lender has probably already started foreclosure proceedings against you. As time passes, thousands of dollars in penalties and legal fees can be added to the balance you owe. And every single day the interest charges are growing.
Sometimes Home Owners are not even aware how far their foreclosure has progressed. We talk to people almost every day who did not even know their house had already been sold at Auction. Please don’t let that tragedy happen to you!
Do not stop making your payments just because your property is not worth what you owe on it. Remember that you entered into a fiduciary responsibility with the Bank. Like a Marriage, good times and bad times it is important that the willingness to pay is maintained.
Are you looking for a realistic long term solution? For a FREE no obligation consultation on how we can help you stop foreclosure or stop the predatory adjustment in your monthly payments and save your home while preserving your credit history.
Too many Banks use a “one size fits all†approach with Home Owners that find themselves in difficult times. Your situation is unique. You deserve personalized foreclosure help from a professional like the experts at Homeland Assistance.
Even though you may think so, your lender isn’t with out compassion about your situation they are just overwhelmed with the onslaught of homeowners trying to get help. We stop the shooting in the dark approach for homeowners calling on there own by taking the time to listen to your concerns, assess your financial needs and then present a comprehensive financial overlay to your lender for the best possible resolution that you can live with for the long run. Please take the first step with us immediately so we can get you back on the road to recovery today.
FORECLOSURE GUIDE