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Are You Apart of the 6.4 million Homeowners Asking What Do I Do When I Can't Afford to Pay My Mortgage Anymore? You are Not Alone There are Solutions!

Did you know that?
6.4 million delinquent or in some stage of foreclosure?

2.6 million likely HAMP/HAFA eligible 60+ day delinquent loans?

As of August 2011, there are 690,969 active permanent HAMP modifications?

Total U.S. delinquency rate 8.13%?

Unemployment rate nationwide 9.1% (nearly 14 million Americans unemployed) with California at 12%?

6.2 million estimated “long-term unemployed”?

$1.4 trillion in loans will have come into adjustment between 2010 & 2011?

The top 14 lenders/servicers in the country are working under consent orders?

There has been a 50%-75% increase in HAFA transactions started over each prior month. Total 15,954?

Are you apart of the 6.4 million struggling homeowners that is in some stage of the foreclosure process? With a 50% -75% increase in HAFA transactions each month you may also be able to participate in the program. Now is the time to make the right choice for a stable future, EDUCATION is key! We can help you find the key to financial stability through education and a greater understanding of your alternatives. Are you missing payments, have you received a notice of default or notice of trustee sale? Banks are now stepping up their foreclosure process don't sit idle and wait for your lender to make a decision about your financial future. Gary and I are all about home retention; in some cases this can be accomplished with others we show our clients the alternatives, all available pre foreclosure options. Are you facing foreclosure? Confused about what options are available to you? You need to understand what all the implications are, do not make a decision about your financial future until you have sat down with professionals who have a proven track record. Make sure you explore all of your options before you do not have any left to choose from.

If all other options have failed and you need to consider a short sale here are the biggest concerns we hear from distressed homeowners; how am I going to pay for the Realtors commissions and all my closing costs?? The answer is, Your Lender is assuming all of those costs, you will not pay for the Realtors commissions or the closing costs associated with your short sale transaction. If a homeowner qualifies for the HAFA program and it's successfully negotiated, YOUR lender will also pay is up to $3000.00 for moving expenses. There are many reasons why it is so very important to sit down with a well educated real estate team who can explain all of these options and many more!

To request your FREE copy of this report click this link:

Change the Course

Past reports click the link below:


Click on the report you wish to request or go to: www.SoCalPreForeclosureSpecialists.com click on the resources tab then simply choose the report and it will be emailed to you promptly. This is for homeowners only please.

*Source: Making Home Affordable Program Servicer Performance Report thru August 2011 (as of 09-2011), Housing Scorecard www.financialstability.gov September 2011 (10-01-11); Lender Processing Services Mortgage Monitor thru August 2011 (09-30-11); U.S. Dept of Labor, Bureau of Labor Statistics September 2011 (10-11).

Posted Tuesday Nov 01