One out of ten homeowners face the sad reality of pre-foreclosure. If you have already defaulted on your mortgage or nearing default, know that there are foreclosure alternatives you can employ today. Foreclosure & bankruptcy are avoidable! There are credit and tax implications following a foreclosure or bankruptcy, and you should know that the credit impact is much less if you employ a viable foreclosure alternative such as a short sale, or deed-in-lieu.
As a certified HAFA (Home Affordable Foreclosure Alternatives) Specialist, I offer unbiased counseling to homeowners, sort thru the different programs under the “Making Home Affordable” initiative of the government ( HAMP, HARP, HAFA), and present the the best solution, depending on the goals of the homeowner ( home retention or otherwise). Being part of the HAFA Network, I am fully educated and informed on the ever changing laws concerning foreclosure and programs related to home owners in distress.
Consultations are free and held confidential. The topic of foreclosure is an emotional & personal subject matter; rest be assured that your information is treated with utmost respect and privacy.
Foreclosure timelines are specific. Do not delay.
Useful links:
HAFA Details from National Association of Realtors (NAR)
Do It Yourself Home Loan Modification
Short Sale Fraud on the Rise: Beware!
