If you are having trouble making your payments, are seriously behind in your payments, are presently in foreclosure, or if you owe the bank substantially more than your house is worth, you need to know your rights. There have been thousands of foreclosures in Southern California over the past year and the number is climbing month by month. If you are considering taking action to avoid being one of those unlucky homeowners who lost their home to foreclosure, our Loan Modication Program may be right for you.

You need to take action if any of the
following are true:

If you are experiencing any of these problems, you should contact us immediately. It is important that you do not wait to start negotiating with your lender or taking other actions to protect yourself and your family.

Help is available.

Anyone can be subject to foreclosure. Rising interest rates because of an adjustable-rate loan, loss of a job, unforeseen medical expenses, or death of a spouse can all lead to foreclosure. We are experienced in negotiating with lenders to obtain loan modifications, loan restructuring, short sale arrangements or a forbearance agreement.

What if I do not want to keep my home?

We can help by providing you with the information you need to make an intelligent choice. Under many situations, your lender can only foreclose on your home and cannot take any action against you personally by attempting to collect on the mortgage debt. In other situations, a "short sale" (the sale of your property for less than you owe the bank) might help, especially considering the recently enacted federal laws that may protect you from the potential adverse tax consequences of a short sale. Contact us immediately - the sooner you do, the sooner we can begin helping you solve your problems.