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4734

HOW CAN I SAVE MY HOME

So, you were told foreclosure is your only way out... What if they are wrong??

So, you were told you have to sell your home...What if they are wrong??

So, you are late on your mortgage payments, you are too embarrassed to call the mortgage company and now they want to take your home...Call them now!... lenders do not want your home...they want to help you.

You are thinking, "I don't know what to do, where to turn or who to talk to.  I am alone, embarrassed and a failure."  WHAT IF YOU ARE WRONG?...

Well...YOU ARE WRONG...YOU ARE NOT ALONE...THERE IS HOPE...AND YES, THERE IS HELP AVAILABLE AT www.makinghomeaffordable.gov

REMEMBER it will take time and effort on your part;  but isn't it worth trying to save your home?

Here is some information about Making Home Affordable

The Obama Administration has introduced a comprehensive Financial Stability Plan to address the key problems at the heart of the current crisis and get our economy back on track. A critical piece of that effort is Making Home Affordable, a plan to stabilize our housing market and help up to 7 to 9 million Americans reduce their monthly mortgage payments to more affordable levels.

The Home Affordable Refinance Program gives up to 4 to 5 million homeowners with loans owned or guaranteed by Fannie Mae or Freddie Mac an opportunity to refinance into more affordable monthly payments. The Home Affordable Modification Program commits $75 billion to keep up to 3 to 4 million Americans in their homes by preventing avoidable foreclosures.

The consumer website, www.MakingHomeAffordable.gov, provides homeowners with detailed information about these programs along with self-assessment tools and calculators to empower borrowers with the resources they need to determine whether they might be eligible for a modification or a refinance under the Administration's program. Through this website, borrowers can also connect with free counseling resources to help with outstanding questions; locate homeowner events in their communities; find a handy checklist of key documents and materials to have ready when making that important call to their servicer as well as FAQs from borrowers in similar circumstances; and much more. 

IMPORTANT   Beware of Foreclosure Rescue Scams - Help Is Free!

 ·    Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.

·    Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes. Recognize and avoid common scams.     

·    Assistance from a HUD-approved housing counselor is FREE.

·    Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.

·   Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.

·   Never make a mortgage payment to anyone other than your mortgage company without their approval.

Now what do you do?  You have exhausted all possible help and options of saving your home and there is nothing more you can do?  Do you let the bank take the keys, let them foreclose  or a short sale?  Please call me at (717) 418-0195 and together we will contact your mortgage company to see what the final options are. 

Together we will work through this very difficult time.