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Avoid Foreclosure!

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Free Home Loan Modifications

Utilizing the existing mortgage company to refinance the debt or extend the terms of the loan. This will end the foreclosure and allow you to catch up at a more affordable level. To qualify, you must prove to the lender you have fixed the problem that caused the late payment. We will assist you in submitting your loan modification application for FREE!

There are TWO Main Types of Home Loan Modifications:

“Trial Loan Modification” An adjustment for 3-18 months to help you get back on track.

“Full Re-cast” 30-40 year recasting of the terms of your original loan. You will get a new interest rate, payment, and payment terms. Very rarely will you get an overall principal reduction.


This will end the foreclosure and give you a new restructured loan amount that you will eventually pay off plus any default amount and fees. Usually this is accomplished through a refinance of the debt. New debt is at a normally higher interest rate except at the moment interest rates are at an all time LOW. Many people are looking to refinance purely because of how low rates currently are. Some are taking this opportunity to consolidate multiple loans bringing down multiple more expensive payments into one low interest rate payment! This tactic makes paying your mortgage simpler and less expensive forever! With this option, there should be EQUITY in the home. 

Overall almost EVERYONE can benefit from refinancing at the moment. Contact us and we’ll explain the pro’s and con’s of all your refinancing options so you can determine which one, if any, you like best!


This option can liquidate debt and/or allow more time. We will refer you to a qualified bankruptcy attorney upon request.
• Chapter 7 (Liquidation) Completely settles personal debt by wiping out unsecured debts like medical bills and credit cards
• Chapter 13 (Wage Earner Plan) Payments are made towards a new repayment plan to pay off debts in 3-5 years
• Chapter 11 (Business Reorganization) Plan to reorganize your business and pay creditors over a period of time

Bankruptcy is expensive, so our goal is to get you in and out as quickly as possible so you can keep your home.

What is Foreclosure?

The process of foreclosure allows the lender to recover the amount owed on a defaulted home loan by repossessing the property on which the loan was secured. Foreclosure on a property occurs when a borrow hasn’t paid one or more installments on their home loan. The lender then has to issue a late payment notice alerting the borrower to pay the default amount and any late penalties within a certain period of time. If the borrower continues to fail to make the required payments the lender tries to contact the borrower by phone and through direct mail. If no agreement for payment is reached then the lender sends a Notice of Default and gives a date in which the trustee sale will occur and the property will be officially lost. You need to avoid foreclosure at all cost because there is always a way to keep the equity you have in your home.

How To Avoid Foreclosure

Once the borrower has gotten a Notice of Default getting a loan modification or a refinance will automatically end the foreclosure and give the borrower a chance to begin payments again. If your Trustee Sale is coming up quickly and both a loan modification and a refinance are out of the question, then you need to file for bankruptcy immediately. This will immediately end the foreclosure and you will have to agree to a payment plan with the judge. If you miss any payments while in bankruptcy your property goes straight back into foreclosure. If all of these fail the only ways to stop the foreclosure are by coming to an agreement of payment with the lender or paying off the entire default amount and fees… If you cannot afford to do this and your lender is still foreclosing then you need to sell your home ASAP so that you don’t lose all your equity.

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(650) 219-8700