How to qualify for Loss Mitigation and/or a Loan Modification
Many people are asking themselves this very question at this very moment. How do I qualify for a loan modification? I believe in making sure you qualify for a loan modification before you pay for any service. Attorneys are very aggressive and work hard to provide you with a solution to your property in distress. Your qualification is not based on your credit. Your application will consist of your budget, income, property information, and whatever hardship you incurred. There will be a money back guarantee, so it is important the Attorney/s are confident they can take on your case, before you commit.
Ask yourself these questions and if you answer yes to any of them, then most likely you are a prime candidate for a loan modification.
Am I at least 1 payment past due or know that I am unable to make the next payment?
Has my ARM expired and now I'm stuck with a higher rate and can't afford the new payment?
Am I being harassed by my bank?
Has my house went into foreclosure and a
sale date has been set?
Did I have a hardship that caused me to fall behind on my payments?
Am I trying to sell my home but I 'm running
out of time?
Am I losing sleep at night, wondering how I can provide for my family?
Would I like to keep my home?
I have complied a handful of companies who:
1. Are members of the BBB with a Good rating or in good standing with the Bar Association if they are an Attorney
2. Are attorney based or a Law Firm who oversees the files or does the actual negotiating
3. Have proof of success
4. Have passed my legitimacy test (scam free, and researched thoroughly through reliable resources, contracts reviewed, and imperative questions answered)
5. Have reasonable fees and have a Money Back Guarantee
6. Have the clients best interest in mind
7. Are structured and organized
8. Are in compliance with federal regulations and guidelines
9. Are helping homeowners in the State you reside in
As you can see this takes a lot of footwork and many hours to develop. Each company is unique in their own way and offer different services and have variable fees. After speaking with you about your unique situation and having evaluated your circumstances, I will suggest someone who suits your needs, explain the process, and will be there every step of the way.
My mission is to help as many people as possible who are facing a financial hardship, by providing solutions to keeping their property. As a Christian, I have a responsibility to be completely honest and to provide you with legitimate help. I firmly believe that whoever contacts me for help was sent from God therefore it is expected of me to take care of His children. This is not just a job for me, this is my passion. My heart and soul goes into every one of my clients. Everyone has their own special, unique situation, and each is treated with diligence, honesty, and compassion. I withhold no information and give you everything you need to make an informed decision, including the positive and negative of a loan modification. Whether you receive help from me, or someone else, what matters is you are getting honest help and I hope to be a part of your solution by providing you with useful tips, resources, and exceptional service.
Important Links:
How to Avoid Loan Modification Scams
How to choose an Honest Loan Modification Company
Why won't my lender work with me?
If you have any questions or would like to apply for a loan modification feel free to contact me:
C Thompson
Case Manager
407-219-8739
cthompson@keepyourproperty.info
Pre-Approval Loan Modification Application
When you develop a definite plan of action with well-timed, well-informed steps, you can stop the foreclosure process and save your home. We have outlined the foreclosure process for the state of Wyoming.
Judicial Foreclosure Available: Yes
Non-judicial Foreclosure Available: No
Foreclosure by Advertisement
Wyoming permits the use of a deed of trust which allows foreclosure by advertisement. The deed of trust names a trustee who will conduct the foreclosure.
Preliminary Notices
Advertising
Notice of the foreclosure must be published once a week for four consecutive weeks in the newspaper for the county in which the property is located.
Mailing
Notice must be mailed or delivered to the borrower and the occupant at least ten days before the first publication of ads in the newspapers.
Sale Procedures
Time
The foreclosure sale must take place at public auction between the hours of 9 A.M. and 5 P.M.
Judicial Foreclosure
In judicial foreclosure, the lender forecloses by filing a lawsuit and obtaining a court-ordered sale. There are no prescribed advertising procedures on court-ordered sales, but they are usually advertised. The sheriff usually conducts the sale. The sale takes place between the hours of 10 A.M. and 5 P.M. The sheriff will then issue a certificate of purchase to the high bidder at public auction.
Deficiency
A lender may sue for a deficiency if there is a note associated with the mortgage or deed of trust, or it contains a separate covenant to pay.
Redemption
Pre-Approval Loan Modification Application
Redemption is permitted.
How to Avoid Loan Modification / Loss Mitigation Scams
Loan Mitigation Services FAQ's
Why won't my lender won't work with me?
C Thompson
407-219-8739
cthompson@keepyourproperty.info
When you develop a definite plan of action with well-timed, well-informed steps, you can stop the foreclosure process and save your home. We have outlined the foreclosure process for the state of Wisconsin.
Judicial Foreclosure Available: Yes
Non-judicial Foreclosure Available: Yes
If the mortgage contains a power of sale clause, it may be foreclosed by advertisement in Wisconsin without going through a lawsuit. On the other hand, if there is no power of sale clause, the mortgage must be foreclosed judicially by filing a lawsuit and obtaining a court-ordered sale.
Judicial Foreclosure
The lender may file a lawsuit seeking a court order for foreclosure and/or a deficiency judgment for any money the sale doesn't produce. The court will set the date, time, place and manner of sale. Usually it is conducted by the sheriff. No sale may be made for one year from the date the judgment is entered unless the lender waives the right to a deficiency, in which case the delay is six months, or two months if the property is abandoned. Sales by consent may be earlier.
Foreclosure by Advertisement Preliminary Notices
Contents
The foreclosure notice must specify the names of the borrower and lender, the date the mortgage was recorded, the amount due at the date of the notice, a property description and the time and place of sale.
Recording
The foreclosure notice must be recorded when the foreclosure notice is first published.
Advertising
A foreclosure notice with the time and place of sale must be published once a week for six consecutive weeks in a newspaper published in the county where the real estate is located.
Service
Mailing is not adequate. The foreclosure notice must be served upon the borrower in the same manner that civil process in a lawsuit is served. If the borrower cannot be found, then the notice shall be posted in a conspicuous spot on the mortgaged premises and served on any occupant.
Sale Procedures
Time
The sale takes place between 9 A.M. and sunset.
Place
The sale occurs at the place given in the foreclosure notice.
Manner
The sale shall be at public auction to the highest bidder. The person who normally calls out the sale must be the person appointed for the task in the mortgage, or the sheriff. The sale may be postponed, if necessary. The person making the sale must give the purchaser a certificate, in writing, entitling the buyer to a deed. The certificate must be filed where deeds are recorded. If the property is not redeemed, the person making the sale must execute a deed to the buyer.
Sale Confirmation
Wisconsin law provides a procedure by which a foreclosure sale may be confirmed by court order after it is made.
Redemption
If a sale is confirmed, then there is no right of redemption. Otherwise, there is a one-year right of redemption if the high bid at the foreclosure sale, plus interest, is paid. During such a period, the borrower may also retain possession.
Deficiency
A deficiency judgment is not allowed unless the application for sales confirmation states the lender's intent to seek one. Otherwise, it is a separate portion of any existing legal action, or a separate action altogether. It will not be final until on or after the sale confirmation.
Pre-Approval Loan Modification Application
How to Avoid Loan Modification / Loss Mitigation Scams
Loan Mitigation Services FAQ's
Why won't my lender won't work with me?
C Thompson
407-219-8739
cthompson@keepyourproperty.info
If you live or own a home in West Virginia and are facing foreclosure, please see below for the step-by-step process.
When you develop a definite plan of action with well-timed, well-informed steps, you can stop the foreclosure process and save your home. We have outlined the foreclosure process for the state of West Virginia.
Judicial Foreclosure Available: Yes
Non-judicial Foreclosure Available: Yes
Although judicial foreclosure is available for vendor's lien foreclosures, West Virginia uses the deed of trust almost exclusively. Mortgages have largely disappeared. If there is a default under the deed of trust, then the trustee must send out preliminary notices and then sell the property when the lender so requests.
Preliminary Notices
Contents
A notice of sale must contain the time and place of the foreclosure sale, the names of the parties to the deed, the date of the deed, recording information, a property description and the terms of the sale.
Advertising
In pre-1980 deeds of trust the buyer may have waived the right to published notice. Later deeds of trust must publish a Class III legal advertisement countywide before the sale at least once a week for four weeks.
Posting
The notice of sale must be posted at least 20 days prior to sale on the front door of the courthouse for the county in which the property to be sold is located, and in three other public places, one of which must be the property to be foreclosed on.
Service
Unless expressly waived in the deed of trust, the borrower must be served with a copy of the notice of foreclosure at least 20 days before the foreclosure sale.
Mailing
Notice of the foreclosure sale should be mailed to the borrower and subordinate lien holders 20 days prior to sale.
Sale Procedures
Time and Place
The time and place of sale are specified in the foreclosure notice.
Manner
The sale is completed by public auction to the highest bidder.
Terms
The deed may specify the terms of sale. Otherwise, a buyer may pay one-third in cash at the sale, one-third a year later, and one-third two years from the day of sale.
Report
A report of the sale must be filed with the clerk of the county and recorded.
Deficiency
A lender can maintain a deficiency action only by filing a separate lawsuit. However, if the lawsuit is filed to collect, the deed of trust foreclosure must then be delayed during the lawsuit.
Redemption
There is no right to redeem after a deed of trust sale.
How to Avoid Loan Modification / Loss Mitigation Scams
Loan Mitigation Services FAQ's
Why won't my lender won't work with me?
Pre-Approval Loan Modification Application
C Thompson
407-219-8739
cthompson@keepyourproperty.info
If you live or own a home in Washington and are facing foreclosure, please see below for the step by step process.
Judicial Foreclosure Available: Yes
Non-judicial Foreclosure Available: Yes
Non-judicial Foreclosure
Non-judicial foreclosure proceedings are permitted in Washington, provided there is a power of sale clause in the trust deed, and the real property is not used for agricultural purposes. There can be no pending lawsuit for foreclosure at the same time as a non-judicial procedure is attempted. Default must be defined in the trust deed.
Preliminary Notices
Advertising
The trustee must publish the notice of sale as follows: once between the 32nd and 28th days before the sale, and once between the 11th and 7th days before the sale.
Mailing
A written notice of the foreclosure sale must be mailed by certified mail, return receipt requested, to the borrower at his or her last known address at least 30 days by recording the notice of sale 120 days before foreclosure may be personally served instead.
Recording
At least 90 days before sale, the trustee must record a notice of the foreclosure sale and mail it to anyone with a lien or claim against the property.
Posting
At least 90 days before sale, the trustee must post the foreclosure notice on the premises to be foreclosed.
Cure
The borrower has up to 11 days before the sale to cure the default by paying the past due payments, plus expenses including trustee and attorney fees. Curing the default stops the foreclosure.
Sale Procedures
Time
The time of sale is specified in the notice of sale. It must be not less than 190 days from the date of default.
Postponement
The trustee may postpone the sale.
Manner
The sale is to the highest bidder.
Deficiency
If non-judicial foreclosure is selected by the lender, then it cannot sue for a deficiency judgment. On judicial foreclosure sales, the borrower can be sued for a deficiency, unless the property is found to be abandoned for six months before the decree of foreclosure.
How to Avoid Loan Modification / Loss Mitigation Scams
Loan Mitigation Services FAQ's
Why won't my lender won't work with me?
Pre-Approval Loan Modification Application
C Thompson
407-219-8739
cthompson@keepyourproperty.info
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ARE YOU OR SOMEONE YOU KNOW FACING FORECLOSURE? I can help SAVE the property, work to have missed payments moved to the end of the mortgage, keep your family in the home and avoid displacement.
My service is free to distressed homeowners looking for guidance when searching for a legit loan modification company. I am appalled at the fact that so many homeowners are being taken advantage of or being ripped off by companies who portray themselves to be something that they are not. I have taken it upon myself to do this research, and find out who is the real deal. Because the fact of the matter is 75% of loan modification companies fall in the categories of either scam artists or inexperienced and misleading. Most of you in desperate need of help, are panicking and doing this sort of research is overwhelming for you. On the other hand, there are reliable Attorneys out there who have credentials. The challenge is trying to locate them. So what I have done is my own research on individual Attorneys to ensure they are established and reputable.
I have complied a handful of Attorneys and Law Firms who:
1. Are in good standing with the Bar Association
2. Are actual licensed attorneys who will be representing you and negotiating for you.
3. Have proof of success
4. Have passed my legitimacy test (scam free, and researched thoroughly through reliable resources.)
5. Have reasonable fees
6. Have the clients best interest in mind
7. Are structured and organized
8. Are in compliance with federal regulations and guidelines
9. Are helping homeowners in the State you reside in
As you can see this takes a lot of footwork and many hours to develop. Each Attorney or Law Firm is unique in their own way and offer different services and have variable fees.
What I will do is discuss with you one on one about your unique situation. I will then determine your eligibility, and will decide which one of these legit Attorney's will suit your specific needs. Once you are on board with a specific law firm, (which I will help you with) you and I will stay in contact throughout the process if you wish. I do not charge a fee to provide this information to you. I am so fed up with all of the scams, I feel it is my personal duty to stand up for the public and provide this service.
I have compiled many blogs which provide valuable information for homeowners in need of assistance. I feel consumers are entitled to ample information when making a decision that involves their most valuable asset, their home.
There are multiple Loss Mitigation companies who claim they extend their services all through out the US. Hiring an Attorney is the best, most beneficial route for homeowners to take these days. I want to help as many home owners as possible. I do not want you to become a statistic. Some of these loan mod companies claim they consist of licensed Attorneys andmost do not.
It is my job to know which attorneys are established, trusted, and reputable. Most will work with owners that are at any stage in the foreclosure process, even pre foreclosure. During the negotiation period, the owners can still rent/sell/live in their home. The process should take 8-12 weeks depending on your personal circumstances.
******Very Important: There will be a money back guarentee with the company we choose. The terms of this will fluctuate depending on the company. This will be explained to you during your free consultation.
Even hard-working people can encounter unforeseen situations which may affect 
their ability to pay their mortgage in a timely manner. Many issues can be contributing factors such as temporary job loss, medical illness or injury, marital difficulties, unforeseen repairs or high utility rates, tenant problems, or even a death in the family. Just one of these situations can have a direct bearing on making home mortgage payments.
I realize that the situation you are in is very stressful and emotional for you. I take my time to discuss your situation with you and provide you with one on one help, and steer you in the right direction. Please do not procrastinate, it is the worst thing you can do right now. Call me now and allow me help you. My main objective is to keep you in your home.
A loan modification is designed to help you bring your mortgage payments up-to-date, and to modify your existing mortgage terms to fit with in your current budget. Using creative and often unconventional methods, all well within the Code of Federal Regulation guidelines, we fight to freeze the foreclosure process, and keep you in your home.
As a professional who understands the mortgage industry from years of experience, I know how to help you. Put my expertise into action and you could become another one of our thousands of satisfied clients. If I am unable to help you, I may have other solutions that will. 
Call to find out if you qualify for assistance today or visit www.keepyourproperty.info and fill out the pre-approval form. I look forward to assisting you and to helping you achieve your goals. Please call me TODAY for your free consultation!
How to Avoid Loan Modification / Loss Mitigation Scams
Loan Mitigation Services FAQ's
Why won't my lender won't work with me?
For our clients we agree to do the following:
If you are facing foreclosure, you are not alone. I can help you, and I want to help you. Just pick up the phone and call my direct line at 407.219.8739.
You will be very pleased that you chose me, Callie Thompson as your
personal one on one Case Manager.
Well, what are you waiting for? Contact me now 407-219-8739
Toll Free 1-(877)-646-4331.
Pre-Approval Loan Modification Application
Check Foreclosure Procedure For Your State
Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan(MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA) , Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)
I am more than happy to speak with you about your unique situation. To schedule an appointment and complete a free appliction, you can call my direct line at 407-219-8739.
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