These are some of the options you have, but there is more...
Reinstate Your Loan
The option of reinstating your loan is available to homeowners who can demonstrate to a lender that they have available funds to pay back the outstanding balance on their mortgage in a short time (up to 24 months). This solution works best for homeowners who can make up their total past due balance through a combination of lump sum payments and/or “extra” payments (spread out over a 12-24 months) in addition to their regular mortgage payment. You have several options to reinstate your loan including total reinstatement or a combination of partial reinstatement, increased monthly mortgage payments or postponed mortgage payments.
We can provide professional assistance in helping you reinstate your loan and give you peace of mind in knowing that an experienced professional is handling your reinstatement negotiations.
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Refinance Your Loan
Refinancing your mortgage is one way to stop a foreclosure and allow you to remain in your home. Our local affiliates have partnerships with a range of lenders who specialize in refinancing homeowners who are behind on their mortgage payments.
By working with our local affiliates we can provide you with the best options for refinancing your mortgage because we have created local partnerships in your neighborhood. If you qualify, a new loan will be brought in to pay off your existing mortgage company so your payments are automatically current and you even get to skip one and sometimes TWO mortgage payments!
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File for Bankruptcy
The important thing to realize is that bankruptcy laws and exemptions differ from state to state and province to province. That's why we have partnered with the leading bankruptcy attorneys in their local markets to make sure that our clients understand the different types of bankruptcies and what are the effects of filing bankruptcy on their future personal finances.
Filing for bankruptcy is not as easy as you may think. New bankruptcy laws went into effect October 17, 2005. The new bankruptcy law requires, among other things, individuals to go thru a minimum three-month credit counselling period before filing for bankruptcy. This was done in large part to stop people from abusing the bankruptcy laws by filing for bankruptcy a few days before their foreclosure. To learn more about the new bankruptcy laws and how it can affect a foreclosure click here.
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How Can We Help You Stop Foreclosure on My Home?
We can help you either Keep or Sell Your Home to Avoid Foreclosure.
Want to talk to someone now? Contact us at 1-877-711-8773
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