Stop Foreclosure

Interest rate too high? Our high-end rate is 7.5% for C- Credit!

LTV was too low to make it fly? We fly up to 100% with 5% to 10% down at 550 FICO. Low to No VOI, Tax returns, Surveys, Inspections! 100% Gift funds for the down payment? OK!

With our Guaranteed Approval Home Acquisition Program, you can get approved without a credit check and no income verification. Bankruptcies and foreclosures OK! Tax liens and judgments OK! Bad Credit OK! Stated Income - No red tape! 9.99%* rate.

We are not Realtors; we are private investors willing to help good people buy a home, even if they have been turned down by traditional mortgage companies or banks. If you have 5%-10% as a down payment and are employed, we can help you. By utilizing a new twist to an old method, you select the home you want, we utilize our credit, purchase the home, then Owner Finance and/or Lease Purchase it back to you. IT'S JUST THAT SIMPLE!

Who qualifies for our program? 

We can help persons who have been turned down through traditional mortgage sources because of credit problems, not being on the job long enough, not enough down payment, monthly debts are too high, no bank accounts, self-employed, problems with income verification, too much credit, and more. We realize the problems that prevent a good person from qualifying for a mortgage, and we can help. We get to know you and what you plan for yourself and your family in the future. We are willing to advance our credit line to someone because of character and a promising outlook for a better future.

If you are a hardworking, family-oriented person, we want to talk with you about getting you into a dream home of your choice. Unlike banks and other institutions, we don't put much stock in credit records. We know that a person with a job, a family, and a 5%-10% down payment is an excellent choice for us to assist. Statistics show a very low rate of foreclosure actions against this type of transaction. Call us today to find out how you can qualify within 15 minutes for a home of your choice.

This may be hard to believe, but lenders are caught in a web of their own making, and taking back your property is a net LOSS for them, not a net gain. Bottom line, your lender doesn’t want your house. No matter how many problems it may be causing you, it’s just another problem that they don’t want.

But my company helps people with problem properties, exclusively. I may be able to help you keep your house, I may be able to help sell it, or I might be able to buy your home or the mortgage note outright directly from your lender.

If you have a problem property, you are probably wondering what to do. Should you try to work things out with the bank? Do you list with a real estate agent? Do you try to refinance? Will you have to file bankruptcy? I know how confusing it can be to sort through the pressures and anxiety that a problem property can cause. Many people in this situation become so overwhelmed that they don’t do anything. They’re too afraid to make the wrong decision – too afraid to try something that only puts them right back where they began.

As you are looking for a solution, there are several mistakes that you will especially want to avoid:

1. Don’t spend thousands of dollars to have an attorney file bankruptcy based on the assumption that it will make the foreclosure disappear! Many debtors will spend a lot of money for an attorney to file a Chapter 13 bankruptcy – which is really a payment plan – only to lose the house. In essence, you are paying the attorney instead of the lender. Before acting, know how much the process will cost and what your new increased monthly payment will be after you file. Also, know that if you miss one payment, your Chapter 13 will be dismissed, and you will need to file Chapter 7 – and pay more fees to an attorney. When your Chapter 7 is finally discharged, you won’t owe a cent, but the bank will still want you to sell the house. If you don’t, your credit report will still show a foreclosure, and be ruined for years. (This is not legal advice.)
2. Don’t spend every last penny by agreeing to a forbearance plan (payment plan) that the lender told you to do! Increasing your monthly payments isn’t going to solve your problem. A lender will increase your monthly payment and call it a forbearance plan, all the while knowing that more than 85% of borrowers will not make the second payment. The lender just wants every last penny before they begin foreclosure proceedings. Make sure you know what your budget is and whether you can afford it before agreeing to forbearance. Also, make sure to have the lender fax you in writing what your payments will be.
3. Don’t sign a listing agreement with a real estate agent unless that agent has experience and understands the foreclosure process! Houses that are over-leveraged have a tough time being sold, especially in a flat housing market. This puts real estate agents in a bind because the market will not support the asking price, which also covers their commission. It puts you in a bind because listing agreements usually prevent the homeowner from finding other alternatives – like finding their own buyer – even if the real estate agent is not performing.
4. Don’t sign a Deed in Lieu of Foreclosure with your lender! The lender will ask you to do this and lead you to believe that it’s in your best interests. It’s not. Your public record will clearly read DEED IN LIEU, which translates to a voluntary foreclosure. Banks promote this method because it saves them money, but it does nothing to preserve your credit for the future.

Each problem property has its own unique advantages and disadvantages when it comes to discovering a solution. Some will only stall the foreclosure, forcing you to pay thousands of dollars for a house that you will ultimately lose. Other solutions may allow you to stay in the house but cost you more money each month than you actually make in three.

Here’s a better solution – a way out: It’s one that the banks pray more people would discover. It can stop the foreclosure, save the banks money, and allow you to save your existing home or get a fresh start in a new home. You wouldn’t have to leave your home, or you’ll be able to move into a better situation. It’s not perfect. If what you are looking for is a quick, expensive band-aid to fix things temporarily, unfortunately, we’re not the company for you.

But if you would like to avoid the foreclosure from damaging your credit score for the next seven to ten years, if you would like to escape having to make payments that you can’t afford, if you want to avoid the humiliation of the public record and create a positive experience, then you are invited to call me. Our ability to come in and attempt to stop the foreclosure is the best way to solve your problem.

We know how to negotiate with lenders: it’s what we do every day. We understand their quirks and their protocols. Best of all, over the years, we’ve developed good relationships with many of them. And the cost to you... When you decide to take control of the situation and give us a shot, we will give you our 100% MONEY BACK GUARANTEE.

I know this sounds too good to be true, but we will take the financial risk to cover all up-front expenses in dealing with the lender, lien holders (including the IRS), attorneys, real estate agents, and any possible marketing or rehab costs. We will utilize our credit line and purchase your home or mortgage note directly from your lender, allowing you to stay in your home. We will put our money where our mouth is to make the deal work. We profit when we keep you in your home or sell it in the end.

But in order to begin, you need to make a commitment to yourself to be proactive, take control, and confront your problem property. The longer you wait, the more difficult it will be to resolve. If you want to learn more or if you have any questions, call my office right away. We’ll gather a few facts, do a little research, and discuss if we think that we’re in a position to help. All information you provide will be held confidential. I’ll then call you back and share what I’ve discovered. Fair enough?

If it’s after hours, or you get my voicemail, please leave a message and we’ll return the call.