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  • 			    What type of home loan do you need? We're here to find the right fit for your situation.

    What type of home loan do you need? We're here to find the right fit for your situation.

  • 			    The PERFECT Home is waiting for you...Let us find the perfect loan to go with it!

    The PERFECT Home is waiting for you...Let us find the perfect loan to go with it!

  • 			    Refinacing is easy, with our help and experience, we close most loans within 30 days.

    Refinacing is easy, with our help and experience, we close most loans within 30 days.

What are Some Other Solutions for "Temporary" Problems to Avoid Foreclosure?

Reinstatement – This is possible when you are behind in payments, but can promise to pay a lump sum of money to bring your regular payments back by a specific date.

Forbearance – It may be allowed to delay payments for a short period with the understanding that another option will be used to bring the account current later.

Repayment Plan – If your account is past due, but you can now make regular payments again, the lender may allow you to catch-up by adding a portion of the overdue amount to a certain number of monthly payments until your account becomes current.

Partial Claim – Your lender may be able to help you obtain a one-time payment from the FHA Insurance Fund to bring your mortgage current, if you qualify:

You may qualify if:

1) Your loan is at least 4-months delinquent, but not more than 12-months.
2) You are able to begin making full mortgage payments again.

When your lender files a Partial Claim on your behalf, the U.S. Department of Housing & Urban Development will pay your lender the amount necessary to bring your mortgage current. You must execute a Promissory Note and a Lien will be placed on your property until the note is fully paid. The note is interest-free and is due when you pay off the first mortgage, or when the property is sold.

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