For Our Clients:

1. LOSS MITIGATION

(Available if you are TRULY able to resume your regular monthly mortgage payments) Loss mitigation programs vary from a partial claim (FHA Only), repayment plans, loan modification, rate freeze and other forbearance agreements. We will work with your lender to determine the best course of action for your situation. Depending on your loan type, situation and lender we will find a program that works for you. Again, the

2. DEED-IN-LIEU

If you have incurred a long term financial hardship and your house has been on the market (at fair market value) for at least 90 days, you may be eligible for a deed-in lieu of foreclosure. To be considered for this option, you must complete a financial package and provide a copy of your recent active listing agreement. We will review your situation and determine if this is an avenue worth pursuing. Also, there cannot be any additional claims or liens, including a second mortgage with a different lender, against the property. If you are approved for a deed-in-lieu, you will be giving up all rights to the property and the property will be conveyed to your investor. In exchange for the deed-in-lieu, the lender may waiver all deficiency judgment rights. You may be asked to participate in a Short Sale program before a deed-in-lieu of foreclosure is accepted. Please remember that in most cases a deed-in-lieu will show up as a voluntary foreclosure on your record.

3. SHORT SALE

(Short Payoff) (Pre-foreclosure Sale) (Compromise Of Sale) If you have suffered a long term financial hardship and are unable to maintain your monthly mortgage payments or if you need to sell the property to avoid a default loss on the property, it is possible that the lender may be able to accommodate you with a short sale. A qualified buyer is required and we will work with you to obtain one. If this is an option you wish to pursue, we can help. Please remember to act quickly. Some states permit lenders to seek a deficiency judgment for the amount the payoff was discounted. In most cases we have been successful at getting the lender to waive their rights to seek this deficiency. See your state's foreclosure law for more information. If your state allows deficiency it is always a possibility. Some lenders will consider a promissory note that, most times, does not incur interest charges or late fees. If you feel a short sale is the right option to pursue than we will educate you on all the pro's and con's to ensure you feel comfortable making the right decision.

4. FORECLOSURE RECOVERY PROGRAM

With our Foreclosure Recovery Program we help you remove the foreclosure off your credit if you have chosen to go the route of foreclosure. We encourage you review ALL your options before deciding to simply walk away. However, if you so choose to walk away we will help you understand the laws in your state, the consequences and the life thereafter. Once a foreclosure has been placed on your credit record it can be difficult and time consuming to have removed. In fact, in some cases you may not be able to. However, taking this stress from you and working to remove the foreclosure is an area in which we excel and we want to help you see life after foreclosure. If you feel you are too close to foreclosure or have no other options this program may be right for you!

For Our Investors:

1. Loan Modification Services for your clients

2  Short sale servicing for your short sale files - We handle everything except the BPO for you.  You work hard for your clients.  Why not us take some of the load off!

3.  Training for those wanting to learn more about short sales and how to really make a business out of them

4.  Advanced Training for those seasoned investors looking to learn more about the negotiation side of short sales so that, they too, can be as successful as us!