Free Foreclosure Prevention
Home is where the heart is.
Keep your livelihood
Safe and sound.
Free Foreclosure
Assistance is here
For you.
We Know It's Complicated.
We're Specialists, with Humanity in Mind
You are in charge of Your Destiny!
Even though the Cares Act didn't cover previously delinquent and defaulted loans, a homeowner will likely qualify for other Foreclosure Prevention Programs.
Call 206-931-5175 for more information or to see what you qualify for.
Hundreds of Millions of Mortgage Debt Settled!
Did You Know?
Covid-19 Foreclosure Moratorium Ended 8/26/2021
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Supreme Court ended the Foreclosure Moratorium on August 26th, 2021. This has caused a huge spike in Foreclosure filings by banks all accross the country
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Foreclosure Sales may be held on other types of on loans that were previously in default prior to the Covid-19 Pandemic, such as Sherriff's sales, which are usually due to unpaid property taxes or your HOA foreclosing on the property for unpaid dues
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Call Now for Free Assistance
206-931-5175
Get Help from Experienced, Certified Foreclosure Prevention Specialists
Mortgage Forgiveness
Start with a Free Consultation to get informed and see if you qualify for Mortgage Debt Forgiveness or other programs.
206-931-5175
According to a document was prepared by the Congressional Research Service (CRS):
In December 2007 the Mortgage Forgiveness Debt Relief Act of 2007 (P.L. 110-142) was enacted and provided a temporary exclusion for qualified canceled mortgage debt. This was intended to prevent homeowners who were granted principal reductions, or who entered into short sale agreements,from owing tax on top of existing financial distress.The provision was originally effective for debt discharged before January 1, 2010. The exclusion for canceled mortgage debt was subsequently extended several times, most recently in the Consolidated Appropriations Act, 2021(P.L. 116-260), which extended it through the end of 2025.
The Joint Committee on Taxation (JCT) estimated this extension will reduce federal tax revenues by $2.8 billion between 2021 and 2030. The exclusion applies to qualified residential indebtedness, which is defined as debt, limited to $750,000 ($375,000 if married filing separately), incurred in acquiring, constructing, or substantially improving the taxpayer’s principalresidence that is secured by such residence. Prior to P.L. 116-260 the exclusion was limited to $2 million ($1 million if married filing separately).
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Cited From: https://crsreports.congress.gov/product/pdf/IF/IF11535
Deadlines for Federally Backed Mortgage Forbearance and Foreclosures
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Forbearance
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For loans backed by HUD/FHA, USDA, VA, Fannie Mae, and Freddie Mac, you can request an initial forbearance through September 30, 2021.
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Foreclosure
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Lenders could not foreclose on loans backed by HUD/FHA, USDA, VA, Fannie Mae, or Freddie Mac until after July 31, 2021.
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If you're having trouble making payments on your federally backed mortgage because of the COVID-19 pandemic, contact your loan servicer before September 30, 2021. Your loan servicer must:
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Defer or reduce your payments for 180 days if you contact them to make arrangements
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Give you another 180 days of mortgage relief at your request
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Offer options for how you can make up the deferred or reduced payments. They will discuss these options with you at the end of your forbearance period.
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Cited: https://www.usa.gov/foreclosure, Updated July 2021
Time is of the Essence
Exercise Your Options
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You Must Act Now to Stop and Prevent Foreclosure
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Some Federally backed loans may not be filed into foreclosure, however times are constantly changing. Check in with your lender regularly if you cannot make payments, and are concerned about Foreclosure filing in the future by your lender. Call us to see what you may qualify for or what options could be available.
Did you know...
There are HUNDREDS of Loans and Lenders that are EXEMPT from being required to participating in the Mediation Process.
The Cares Act has limited coverage, and doesn't apply to loans that were already delinquent prior to Covid-19. You may qualify for other programs. Call Now For Assistance.
1-206-931-5175
Supreme Court ended the Foreclosure Moratorium on August 26th, 2021.
US properties saw an increase in Foreclosures, up 27% from the previous month, and up 49% from one year ago.
An estimated 3.5% of all homes — 1.75 million homeowners are in a forbearance plan with their Mortgage Servicer, according to the Mortgage Bankers Association.
If you were behind on your mortgage prior to Covid-19, unfortunately you are not qualified for the coverage of the CARES ACT.
ADVISORY: Don't pay a Fee for a Modification. Don't fall victim to rescue scams: Signing your Deed to someone, selling your home to an investor, paying for a loan modification, or sending money in to a PO Box or any place unverified with your Mortgage company. Most Mortgage servicers allow you to pay online, or give specific instructions on where to mail, pay or wire a payment. Call your Mortgage company to verify before sending money to any location.
Your hardship may include a variety of items that your lender may consider.
THE FORECLOSURE MORATORIUM HAS ENDED
Important Tips:
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Get connected with a specialist to get your application in front of your Mortgage Company promptly
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If a Borrower waits too long to apply with their Mortgage Company for assistance, the Borrower may be disqualified for any Foreclosure Prevention options
Forbearance
What you need to know
Borrowers should be aware that a Forbearance is NOT forgiveness of your debt.
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You may have an additional Lien on the title of your property if you had previously obtained a Loan modification. Some modifications were handled with an additional deed to secure the deferred amount. Call Now to Learn More.
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Call Today and Receive
Free Foreclosure Assistance
If someone you don't know calls you to 'help you out of Foreclosure' or asks you for money to help modify your payments, it's likely a scammer.
>>>Read More
Why should you
take action?
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If you stop making payments you can lose your home
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You could be liable for a lot of money to your mortgage company after foreclosure
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You may not know what options you have available
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Specialists are here and ready to assist you
Read Our Testimonials
A. Monroy
Melinda G.
GG Rogers
“ Wow they did it! We were able to keep our home despite being declined for a modification just months before. Can't believe how good these people are at their jobs. Thank you so much, all my family is grateful. Bless all of you! ”
“ My Rep stayed in contact, updating me during the entire process. When I had any questions, they were answered very quickly. She was on top of it at all times, and I received over $240,000 in cash! ”
“ We were stuck. Our Mortgage company was not very forthcoming. Through the Mortgage Forgiveness Program, our huge debt taken care of and we got more money than we thought was possible! ”