We can help you:
Many homeowners are caught in an unexpected situation. Their mortgage payments have increased, their income has been reduced and their homes have lost value. You may be experiencing a similar situation and we are here to provide "HOPE for Homeowners".

What Makes Us Different:
We specialize in HOPE for Homeowners, a new program similar to a Short Refinance. Our goal is to help homeowners nationwide keep their home and achieve long term affordable payments.

The list of lenders accepting Short Refinances is growing at a rapid rate. In January 2008, there were 3 mortgage servicers and the list has grown to over 10 major lenders. There is pending legislation that could make Short Refinances common practice and minimize the ongoing risk of borrowers losing their homes to foreclosure.

Get Started Now
If you are interested in a Short Refinance, please complete our online Questionnaire. We will contact to you within 24 hours. A Short Refinance may be the answer to keeping your home. 

A Short Sale is a win-win solution for the home owner and the lender. The lender gets the highest price for a quick sale at a market price. The borrowers get their credit restored and generally get relief from possible future legal actions and deficiency judgments.

Short Sales occur when borrowers sell their property for a sales price less than the amount owed to their lender(s) after all sales expenses, including brokerage fees, are taken into account. In order for this to take place the lender(s) must accept a discounted payoff; meaning the bank(s) get paid less than the full loan amount owed. In a short sale, the homeowners get complete relief from all of their mortgage debt.

The end result is your home is sold, the mortgage is satisfied (paid off) and you avoid a foreclosure or a bankruptcy in the event of hardship. Perhaps even better, your credit rating will almost immediately improve because your credit report shows that your mortgage was paid in full.

What are the Benefits of a Short Sale?

When a Short Sale is achieved, there will not be a foreclosure.  A Foreclosure damages credit up to 7 years and bankruptcy up to 10 years.  Many experts believe that a foreclosure is much worse than a bankruptcy.

• Protect your credit.  Foreclosure damages credit up to 7 years and bankruptcy up to 10 years.  Many experts believe that a foreclosure is much worse than a bankruptcy.
• Our Short Sale Service is FREE to you; the lender covers all the costs involved.
• Controlling future costs. If your property is sold at an auction, you may owe deficiencies and other expenses to the lender. Under most short sales we negotiate, the homeowner will be relieved of this possible future headache.

Can investment properties be short sold?
Most definitely. Any type of property can be sold through a short sale.

Can you do short sales anywhere in the county?

We have done short sales all over. While we cannot promise that we can handle properties everywhere, so far we have not had any problems.

What is a Hardship?

• Reduced Income or Unemployment.
• Inability to work due to health reasons.
• Separation or Divorce.
• Medical Bills.
• Business Failure.
• Death of a Spouse.
• Adjustment in mortgage payment or unforeseen increase in your monthly expenses.
• Any other circumstance that cripples your ability to repay your mortgage.

Does It Matter Who Does a Short Sale?

Very much so. Traditional Realtors only get about 15% of short sales approved. We work with the largest and most successful short sale processor in the county. Their success rate is over 95%.

What Happens If I Don’t Do a Short Sale or my Short Sale is Unsuccessful?

The result is the same: A Foreclosure. Our goal is for you to avoid foreclosure, which will affect your credit more than a short sale. Generally a foreclosure is one of the most damaging occurrences in a credit history. Most likely you will miss mortgage payments through the course of a short sale and this will show on your credit history. But at the end of the day, when your short sale is completed, your credit report will show that your mortgage has been completely “satisfied” and typically your credit score should almost immediately rise by 65 points.

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