"Personal Services with Results"

                        Foreclosure Options to You

You have a RIGHT to know ALL of your OPTIONS:

Option 1: Loan Forbearance or Modification - A strategy worth pursuing is called a loan forbearance. The loss mitigation department of your mortgage company may make arrangements with you to pay some of the back payments now and the balance within a certain time period.

A loan modification is a permanent change to your mortgage that may lower your payments and the delinquent payments may be added to the mortgage balance. Some lenders will not consider this after filing, but it's worth trying.

Option 2: Reinstate Your Mortgage - You have up to and including the morning of the auction to catch up your payments. Perhaps you could borrow from friends or family, credit cards or retirement program.

Option 3: Refinance - You've probably received letters from mortgage brokers and lenders saying you are already pre-approved for a new mortgage.

Option 4: Chapter 13 Bankruptcy - A viable alternative if your financial situation has improved, filing bankruptcy prior to the auction will stop the sale. Bankruptcy is considered an action of last resort.

Option 5: Sell Your Home on the Open Market - This is probably the most under utilized option available to you.

Option 6: We Can Buy Your Home - If efforts to save your home have been unsuccessful and time doesn't permit selling your home on the open market or you just don't want to, but want a quick sale with no problems, call me.

You have probably been swarmed by investors calling you and knocking on your door. If not yet, you soon will be. A Word of Caution, some investors are very aggressive and unethical.

Option 7: Let Your Home Be Sold On the Courthouse Steps - By far, the worst option available to you!

Typically ten days after the foreclosure auction, a certificate of title will be issued by the courts to the new owner. If you have not voluntarily vacated your house at this time, you could be forced to move out within 24 hours.

TIME IS OF THE ESSENCE!

Call Ray at (314) 719-7190.

I will handle all the paperwork with NO COST to you.

You get a quick response with no hassles, no pressure, and your worries will be behind you.

Don't wait until it's too late! You deserve a fresh start! We may be able to keep the foreclosure off your credit records.

I am not able to help every one, but I will try!

CALL ME TODAY to find out how I can help.

As with any serious legal situation the reader is encouraged to consult legal counsel regarding any points of law. This information should not be used as a substitute for competent legal advice.