Don’t be foreclosed on!

      Call me as soon as possible. We can discuss options like refinancing and downsizing.
Don’t let your credit get destroyed and lose the home you worked so hard for. We may be able to consolidate loans to get you an affordable monthly payment, sell and buy a home that is more within budget with the sale’s proceeds or cash out and walk away with money in your pocket and minimize damage to your credit score.
Don’t wait on a foreclosure. Today lenders generally use a “Deed of Trust” rather than a traditional “Mortgage”. This allows them to reduce their risk by eliminating the need for courts in a foreclosure. This makes the foreclosure procedure much quicker for them.

Hiding from a lender is a common mistake people who are behind on their bills make. It is better to communicate with them to let them know what is going on. Lenders don’t want to foreclose. They are in the loan business, they are looking to maximize profits in their line of work which is lending money, not selling homes. They only sell foreclosures to make up losses. If they resell the property after foreclosure and make less than the amount owed on the note, they may go for a deficiency judgment which can be very harmful to your credit in the future, and you may be liable for with your other assets.

If you are going through a divorce or other difficult times, don't just give up your number one asset.  It is far better to sell and have a good amount of cash left over than to lose everything.

WARNING!!! According to HUD there are scammers out there that prey upon people who are about to be foreclosed on. Read the information on the page through the HUD link below. It leads to the Federal Government’s HUD web-page on foreclosures. Be sure anyone you deal with is licensed with the State of Arizona.