Behind on your Mortgage?  Facing Foreclosure?  Let Us Help.

Our team of Pre-Foreclosure Specialists are trained to evalutate your situation and negotiate with your bank to find the best solution for you.  There is absolutely no cost to you.  If we succeed in negotiating a workout agreement with your bank, the bank will pay our fee on your behalf. 

As an affiliate of America's Home Rescue (and 1 of only 12 specialists trained in an extensice 12-month program to help homeowners with the intricacies of avoiding foreclosure), we have worked with hundreds of homeowners and their banks to find a utually beneficial solution to avoid foreclosure.  Banks do not want to take homes to foreclosure and offer a number of solutions for borrowers before the bank forecloses.  Don't wait, in Texas the foreclosure process is very aggressive but with a solid understanding of the process it's NOT TOO LATE! 

Are You Facing Financial Hardship?

• An interest rate jump in your Adjustable Rate Mortgage (ARM)
• An Increase in Property Taxes
• A Separation or Divorce
• A Medical Hardship
• A Reduction in Pay or Loss of Job
• Declining Property Values in your Area
• High Credit Card Debt

Pre-foreclosure Solutions:

Our primary objective is to offer pre-foreclosure solutions that enable struggling homeowners to walk away from a potentially devasting situation, keep their credit intact and move on with their lives.  We are a team of real estate professionals who have made the primary focus of our business working with homeowners and their banks to negotiate a mutually beneficial solution.

Many times, when the financial difficult was temporary (such as losing a job but now reemployed) a workout program or "forebearance agreement" may be an option to catch up on mortgage payments.  Occassionally, banks will also allow homeowners who had a temporary situation "tack on" the late payments to the end of their existing mortgage.  However, when the hardship is not temporary and income levels don't support sustaining the mortgage payment indefinitely then the best solution is generally to sale your home...even when you owe more than it's worth or owe nearly as much as it's worth (a Short Sale.)   A Short Sale is when the bank agrees to accept less than what is owed on the property as payment in full.  A Short Sale is a win-win for both the homeowner and the bank...the homeowner avoids the devastation of a foreclosure and the bank avoids the time and expense of the foreclosure process.

A Short Sale is most likely the best choice for a homeowner who is

1. behind on payments,
2. experiencing a financial hardship due to any of the above reasons and
3. upside down on their mortgage or has little to no equity in their home

Please call us if you are delinquent on your mortgage payments.  Texas has a very aggressive foreclosure process, which means that when you fall behind on even one mortgage payment, the clock starts ticking, and there may be only a brief window of time in which we can work out a solution with your bank.

"Life Happens" to good people every day...7500 San Antonians will face foreclosure in 2008 just as they did in 2007....You're not alone!  Call...there is no costs  to you...it really is about SERVICE!