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Loan Modification Assistance
Restructure your mortgage into payments you can afford.
A HUD-approved Counselor will negotiate directly with your lender to restructure your mortgage. These specialists know the process inside and out — and will advocate to get you the best possible terms & work out solution, so you can stay in your home.
- Direct negotiation with your lender or bank
- Review of all modification options available to you
- Assistance preparing and submitting your application
- Follow-up and advocacy throughout the process
- HUD-approved counseling available at no cost
Foreclosure Prevention
A foreclosure notice is not the end — Their are viable options available.
Receiving a foreclosure notice is terrifying — but it is not the end. We work alongside HUD approved non-profits & legal entities to question improper loss mitigations procedures by your mortgage company and we explore every available option so that you may avoid foreclosure.
- Review of foreclosure timeline
- Identification of procedural errors or violations
- Coordination with attorneys when needed
- Emergency intervention for imminent sale dates
- Guidance on forbearance and repayment plans
Short Sale & Alternative Solutions
Exit with dignity and protect your financial future.
When keeping the home is not possible, we help you exit with dignity. We guide you through a standard sale or short sales process as well as other alternatives that protect your credit and give your family a fresh start.
- Short sale negotiation with your lender
- Deed-in-lieu of foreclosure guidance
- Credit impact analysis and mitigation strategies
- Coordination with real estate professionals
- Support through every step of the transition
Mortgage Forbearance Assistance
Receive the time and breathing room, when you need it most.
A forbearance agreement temporarily pauses your mortgage payment, giving you & your family critical breathing room during a financial hardship. HUD approved conselors negotiate directly with your lender to secure the best possible forbearance terms — and help you plan for what comes next, so you are not caught off guard when the forbearance period ends.
- Negotiation of forbearance terms with your mortgage company
- Guidance on hardship forbearance programs
- Review of repayment plan options, after forbearance ends
- Assistance documenting your financial hardship
- Follow-up actions, to prevent forbearance from becoming foreclosure
Loss Mitigation Counseling
Every option on the table — we find the one that fits your family needs.
Loss mitigation is the process of working with your lender to find an alternative to foreclosure. Our specialists are trained in every available loss mitigation option and will evaluate your full financial picture to identify the path that best protects your family — whether that means a repayment plan, deferral, modification, or another alternitive solution.
- Comprehensive review of all loss mitigation options
- Repayment plan, Modification, and deferment program guidance
- Assistance with lender loss mitigation applications
- Assist with your appeal process, in the event our mortgage company denies your workout solution request
- HUD-approved counseling available at no cost to you
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How much does it cost to get help?
Your initial consultation is completely free and carries no obligation. We will review your situation and explain all your options at no charge.
How quickly can you help me?
We respond to all inquiries within one business day. If you have an imminent sale date, call us directly at (951) 377-7152 — we treat urgent cases as our top priority.
What if my foreclosure sale date is in a matter of days?
Do not wait — call us immediately. Even with a sale date, days away. There may still be options available to you. Time is critical, but we have successfully helped families at the last minute!
Do I need a lawyer?
Not necessarily, all situations are unique and are handle differently. A number of foreclosure prevention request have been successful, without the services or cost of an attorney.
What information should I have ready?
It helps to have your lender's name, your loan account number, any notices you have received on hand, along with a general sense of how far behind you are on your mortgage payments. Don't let missing paperwork stop you from calling — us. We can work through this together!
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