Dear Homeowner:

Are you facing foreclosure?  Have you received a notice of default?  Are you running late on your home loan payments?  Is your adjustable rate mortgage (ARM) about to adjust confronting you with staggering payments that you cannot afford?  Has your property value dropped and you currently owe more than it's worth? Do you have investment property that you want to see if you can get a loan modification?  Do you want to see if you have legal rights that may be able to force the lender into making a meaningful principle reduction to your mortgage?

If so,  you’re in the worst possible place a person can find themselves right now. You’re trying to cope with a decisions on whether to keep your home or are facing a foreclosure process you don’t understand.  As a result, you’re anxious, nervous and more than a little depressed…and who wouldn’t be? And, you’ve got a BIG target on your back for all sorts of bad things to happen to you and your family if you don’t make the right decisions.

THESE ARE VERY SERIOUS TIMES AND YOU DO NOT HAVE TIME TO FOOL AROUND!  YOU NEED TO BE PROACTIVE, NOT REACTIVE. YOU NEED TO GET ON TOP OF THIS SITUATION AND CONTACT YOUR LENDERS NOW.  BUT, IF AT ALL POSSIBLE, YOU SHOULD APPROACH YOUR LENDER WITH LEGAL LEVERAGE AND NOT JUST LOOKING FOR WHAT MIGHT BE THEIR BEST OFFER.  THERE IS NO STATUTORY OR CONSTITUTIONAL RIGHT TO A LOAN MODIFICATION.  HOWEVER, WHEN A LENDER MAKES SERIOUS LEGAL ERRORS AND/OR OMMISSONS IN THE ORIGINATION OF YOUR HOME LOAN MORTGAGE THEY SHOULD BE HELD ACCOUNTABLE AND FORCED TO MODIFY YOUR LOAN....AND THAT'S WHERE WE EXCEL!   

Why don't you contact an a foreclosure firm who understands foreclosure process and understands the mortgage industry to see if we can obtain a loan modification or a short sale  on your behalf.  This first and most important step you can do is to have your home loan mortgages audited by a certified loan auditor (not a real estate broker or attorney) and see if there were serious errors in your  mortgages. For more information on the process and how we can help...please click here.

IF YOU READ NOTHING ELSE PLEASE READ THESE WORDS OF CAUTION: You must not trust your home with just anybody who has a website or sends you a letter. These so called "Service Centers" CANNOT protect you and your mortgage company knows this. We receive calls weekly from homeowners who have paid "Service Centers" huge sums UP FRONT to "represent them" in modifying their loans. These homeowners call us when their money is depleted and now they have a legal emergency that could cost them their home. This scheme seems to be an attractive enticement based on "low monthly payments" which then seems to expand the processing time month after month until the foreclosure is nearly complete, or homeowner’s funds are depleted. Please think defensively during this vulnerable time.

Time is very valuable in a foreclosure situation so don’t delay.