The Four Things You Should Know Before You Start

     Before you get started, there are four things we want you to know.  If you understand just these four things, you'll already be well on your way: 

   1.  You're Not Alone.

          Lenders have whole departments dedicated to default issues because the sad truth is that at any one time approximately 4% of all mortgage loans are in default. That means each year over a million people face the same very agonizing issues you are facing today.  You're not alone!

   2.  It's Not Your Fault. 
 
         We have found that the vast majority of defaults are caused by circumstances well beyond the control of most people like job loss, unusual medical bills, divorce, death and natural disasters.  Don't be too hard on yourself- It's not your fault!

   3.  We Know That You Want To Make Your Payments.                   

         We have found that almost all borrowers are honest and well intentioned and therefore want to make their payments.  However, due to a variety of circumstances, they are simply unable to immediately bring their mortgage loan current.   Often, these borrowers are not sure how to approach their lender or the options available.  This site will provide that information to you so that you can take the proper steps to save your home.

   4.  Lenders Do Not Make Money On Foreclosures.

         Lenders do not want to foreclose on your home.  Not only is foreclosure a traumatic step for the borrower, it is almost invariably a significant economic loss to the lender.   Foreclosure is a loss for both the borrower and the lender, it is a lose-lose situation.