The 7 ways to deal with mortgage problems:

1. When dealing with Friends and Family in business matters of any type, I most strongly recommend keeping agreements in writing. You have your family for life; don't let bad business cloud your home base. If your friends and/or family decide to lend you money against your home, a title company or escrow company can, and is legally required to, make that public record. I can help with this.

2. Selling your home via traditional means may get you the highest price but may take the longest amount of time. A quick sale may prevent further damage to your credit, finances, and future. If you have 30+ days to work with, contact me to review your strategies for a quick sale, minimizing the damage to your credit, and recommending a Realtor® who will sell your home quickly, professionally and at a fair market price.

3. We can refinance situations currently in foreclosure, however, they're best suited to select circumstances. If A. your balance is less than 70% of your home's market value AND you have a one-time reason the mortgage fell behind (e.g. Union was on strike and is now resolved), then refinancing may be the best way to keep your house and reset the clock.

4. Bankruptcy is really a temporary solution that may buy you some time, however, it will not cure a foreclosure. If you're having trouble keeping up with bills, but are still current, contact me immediately. If you do not have much equity in your home (a high Loan to Value Ratio), and still cannot pay your bills, bankruptcy may be a last-resort option. Note than in Chapter 7, you'll likely lose your home, and in Chapter 13, you'll likely make years of payments.

5. Real estate investors I represent can make make an immediate offer, taking a problem off your hands and letting you move on to the next chapter of your life. Upon seeing your property, I can make a cash offer within 4 hours. Sometimes a fast close will minimize the damage to your credit and finances, and although investor offers are typically below market, you also have no realtor commission, and minimizing the damage a foreclosure will cause is worth many thousands of dollars. A strong advantage I have is a constant supply of fully preapproved, motivated home buyers who will offer more than a purely profit-focused investor.

6. I have real estate investors that will buy your home, lease it to you, and let you buy it back when you're back on your feet. You stay in the house, and you have a binding option to purchase it back two or more years later after you've stabilized.

7. If the homeowner is 62 1/2, (exactly - no exceptions), then a very specific type of mortgage product can be used because it's based entirely on the equity in the home, not the borrower, and therefore can be used provided the balance is under about 2/3rds of the value of the home. We can help with this.

If you're having trouble with your mortgage, TAKE ACTION NOW. Time is NOT on your side. It is common for people to delude themselves with "the check is in the mail". You can always buy another home, but repairing serious financial damage can take a lot of time, effort and expense that could be prevented by taking action now.	Name
	Email
	Value of Home
	Loan Balance
	Phone
	comments?