Apply for Homeowner Assistance Programs and more...
Apply for Homeowner Assistance Programs and more...
We make a plan of action around the best Assistance Program.
We properly fill out and submit the Application.
We continue to work with you till all your new documentation is completed.
• Loan modification – is the most common way to Stop Foreclosure. Lenders have different Homeowner Assistance Programs available for those that qualify. When approved the lender changes the terms of your original loan. If you can make payments on your loan, but don’t have enough money to bring the loan current this will make sense for you. The new terms may change the interest rate and extend the number of years left to repay your loan. The change in terms may include a repayment plan. Lenders have their individual requirements for approval and we've worked with them all! Call (657) 229-2191 to hear what Homeowner Assistance Programs you may qualify for.
• Reinstatement –Stops the Home Foreclosure process when you make a single payment to catch up with everything that is pass due on a home loan. Lenders are always open to accepting the total amount owed in a lump sum by a specific date. Most homeowners in foreclosure are unable to make this large payment.
• Forbearance – Does not stop a home foreclosure. A Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited time while you build back your finances. This is typically stops the foreclosure process for a short period of time. Once the agreed upon time is over the homeowner must bring the loan current or get approved for a loan modification. The Covid-19 Cares Act provided relief for Homeowners. Call (657) 229-2191 to learn what you qualify for.
• Repayment plan – is an agreement to resume making your regular monthly payments, Plus a portion of the past due amount each month till you are current. To learn more about the Homeowner Assistance Programs available Call (657) 229- 2191.
• Second Loan- A home loan/mortgage is an amount of money borrowed by an individual, from banks and companies that lend money. The borrower has to pay back the loan amount with interest over a period of time.
• Reverse Mortgage Loan- Loan to homeowners age 62+ not requiring ongoing cash repayment besides property charges. Additional requirements call for more information.
The Action Saves Homes team works with homeowners facing foreclosure. We offer a free consultation in which we will review your personal situation a let you know all your options and what makes the most sense for you. We have been able to help hundreds of homeowners Keep Their Home. You have nothing to lose. Take advantage of our free consult, today!
Action Saves Homes is here to help you Keep Your Home. We are with you every step of the way. We make phone calls to the bank with you, we complete the loan modification application, collect the needed document and submit everything needed to your lender in the proper order. We continue to follow-up with your lender until your application has been approved.
Action Saves Homes is dedicated to helping you stay in your home. If you have enough equity in you home you may be able to refinance or home or get a Reverse Mortgage. We can review the availability of this option during your free consult.
Filing Bankruptcy, if you have a large amount of debt it may make sense for you to file bankruptcy. Most of our clients will still benefit from filing for a loan modification once they have completed bankruptcy. Let's talk about what's best for you.
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