1. Reinstate The Loan: Pay all of the back payments to bring your mortgage current.  This option is often difficult to attain, because the mortgage company will add late fees and attorney fees, and many people aren’t able to come up with the full amount.

2. Negotiate A Short Payoff: Our investor network can negotiate with your lender to payoff your loan in full at 65% of the current market value.  A new mortgage loan will be issued to you with a positive equity position in your home.  You will then have the option to refinance or sell the property at a profit.

3. Negotiate A Loan Modification: Our property protection network can negotiate a loan modification directly with your lender on your behalf.  In many cases the lender will be willing to adjust the interest rate and terms of your existing loan to make it more affordable for you to keep your home.

Click here for information about Forensic Loan Auditing & Loan Modification

4. Refinance: If there is enough equity in your home, there are lenders which will sometimes make a new loan, incorporating all of the back payments.  We have relationships with reputable companies, and will be glad to assist you with this option.

5. Sell Your Home: You may simply sell your home before the Foreclosure Sale date.  You may owe more than the home is worth, making it hard to sell.  In this case, we may be able to negotiate a short sale with your mortgage company, where they accept less than they are owed in order to avoid a costly foreclosure process.

6. Deed-in-Lieu of Foreclosure: You can simply arrange to give the home back to the lender and walk away with a clean slate.

7. Foreclosure: This is where you do nothing, and let the home go into mortgage foreclosure.  This SEVERELY damages your credit and ability to get a home loan again.  If there is no equity in the home, the mortgage company may even come after you to pay the shortage between what it is worth and what you owe.

DON’T LET THINGS GET THIS FAR OUT-OF-HAND!

Click here for information about Forensic Loan Auditing & Loan Modification

If you’re behind on your mortgage payment, you may have experienced a lot of inflexibility from your lender.  They might be telling you something like this – “Payment in full is all we’ll accept” is a common tactic they use to try and get you to come up with all the money you owe.

1. If you do have enough money to make up the back payments, do it!

2. But if you don’t, or only have some saved up, realize that there definitely is help.

Lenders routinely accept our negotiator’s terms to modify your existing loan or to payoff your loan at a discount when presented professionally, and with a knowledgeable approach of the way the system works.

Either way, we will negotiate with your lender and get you back on track.

You do have options – so don’t wait to get this valuable information about your solutions.

Click here for information about Forensic Loan Auditing & Loan Modification

1. Don’t Ignore Your Situation. Keep the communication lines open, and be honest about your situation.  Keep and file all letters and documents your lender or their attorney sends you.  These papers will be important later on when we assist you in keeping your home.

2. Stay In Your Home. Don’t vacate it.  If you do, it may be seized and then you may not qualify for any special home saving programs nor be eligible for a loan modification.

3. Contact Us Immediately to discuss what the best pre-foreclosure solutions are for you.  We will negotiate with your lender for you, using our expert knowledge and of all the laws and regulations you which have on your side for your protection.

We’ll be glad to walk you through your options in plain English.

Click here for information about Forensic Loan Auditing & Loan Modification

For those seeking non-recourse securities lending options, check out ICON Securities Lending –

Click here for information about Non-Purpose, Non-Recourse Securities Loans

This new opportunity – known as ‘Bulk REO Investing’ – is so huge it’s captured attention from wealthy investors and private investment funds alike.

Let’s take a moment to analyze the basics of this incredibly lucrative business.

To understand investing in Bulk REO, you have to understand the foreclosure process.

Mortgage lenders faced with a non-paying home owner send a large volume of threats, warnings and documentation to the borrower who is late. The official foreclosure proceedings begin subsequently, as directed by the lender. Between the formal beginning of the foreclosure process and the public auction is the ‘preforeclosure’ period.

To complete the foreclosure process, the property is auction to the public. If there are no buyers at the foreclosure auction, the lender regains title to the property. This property is then considered to be ‘Real Estate Owned‘ by the lender, also known as an ‘REO’ property.

REO properties are usually listed for sale with local real estate agents. But as a consequence of the weak economy, lenders are frequently selling their REO properties far below their actual value. However, the purchase of a ‘package’ (or group) or REO properties is the trade-off for receiving such great prices.

Qualified real estate investors are increasingly finding once-in-a-lifetime opportunities in these REO packages. The most successful Bulk REO Investors will have a well-respected source of funding for their transactions. Some sources of funding for these transactions are: personal funds, hard money lenders, commercial lenders and non-conventional sources such as private investors and hedge funds.

Click here for information about Non-Purpose, Non-Recourse Securities Loans

That opportunity is called Bulk REO Investing, and the opportunity is huge.

Take a just a minute to consider the basics of this highly profitable business.

Understanding the notion of Bulk REO’s requires understanding of the foreclosure process.

Mortgage lenders faced with a non-paying home owner send a large volume of threats, warnings and documentation to the borrower who is late. Following a period of time determined by the lender, formal foreclosure proceedings begin. From that time through public auction is called ‘preforeclosure’.

To complete the foreclosure process, the property is auction to the public. If there are no buyers for the property at auction, the property is returned to the lender. The lender then categorizes the property as ‘Real Estate Owned’ – or ‘REO’ for short.

Lenders usually try to unload their REO properties at close to retail price by listing their REO’s with a real estate broker. But as a consequence of the weak economy, lenders are frequently selling their REO properties far below their actual value. But the price of receiving such great pricing is the need to purchase multiple REO properties (a ‘package’) rather than individual properties.

The recession in the United States has yielded huge profits to real estate investors prepared to take advantage. The most successful Bulk REO Investors will have a well-respected source of funding for their transactions. There are many sources of funding for these transasactions including: hard money and commercial financing, as well as non conventional sources such as hedge funds and private investors. Additionally, one man is becoming very well known in the field of bulk REO investing, and his name is Salvatore Buscemi of Dandrew Capital Partners, a hedge fund in New York.

Click here for information about Non-Purpose, Non-Recourse Securities Loans

That opportunity is called Bulk REO Investing, and the opportunity is huge.

Consider with me, if you will, the fundamentals of the Bulk REO business.

Understanding the notion of Bulk REO’s requires understanding of the foreclosure process.

As a home owner misses a payment or two, the lender sends the predictable barage of threatening letters and warnings. The lender directs the subsequent timing of the actual foreclosure proceedings. The ‘pre-foreclosure’ time starts with filing of foreclosure paperwork and concludes at public auction.

The defaulted property is ultimately auctioned, thus completing the foreclosure process. If there are no buyers at the foreclosure auction, the lender regains title to the property. The lender then categorizes the property as ‘Real Estate Owned’ – or ‘REO’ for short.

Local real estate agents are usually used to resale REO properties at retail price to the general public. However, lenders are increasingly willing to take much less than their REO asset is actually worth. This happens because the buyer of the REO is required to purchase multiple REO’s in a single transaction.

The REO investment packages available today have provided a way to profitably capitalize on the U.S. recession. Bulk REO Investors are most successful when they have a well-established source of funding for their REO packages. There are many sources of funding for these transasactions including: hard money and commercial financing, as well as non conventional sources such as hedge funds and private investors.

Click here for information about Non-Purpose, Non-Recourse Securities Loans

The individuals that wish the lending company to agree to a short sale must prove they have financial problems and cannot pay their mortgage. The problems in most cases prove to be economic situations, hardships due to illness, or death in the family.

If the home is sold in this manner all the money will go directly to the lending company, the homeowner will not receive funds of any type and will lose all equity in the home. The reason most individuals go with a short sale is to save their credit.

If you are considering a short sale, you may wish to talk with an attorney and of course a real estate agent that understands the negotiation process. The lending company will of course, want to receive as much money as they can that is still owed on the loan, as this is how the lending company stays in business.

If all individuals defaulted on their loans or received a discount on their loan, the lending company would soon go out of business. This is why you need a professional on your side to help you with negotiations.

No matter how much negotiating you do, the lending company has the final say as to whether they will agree with the short sale. The lending company the majority of the times will agree to a short sale if you can prove financial hardship. If the lending company does accept the short sale, you may still be responsible for the remainder of the loan. In almost all cases with a short sale, the full amount of the loan is not met and the original homeowner will still have to pay the remainder of the loan.

If the original homeowners still owe money on the loan, this can be a problem for the new homeowners, as the lending company will hold the title until the remainder of the loan is paid.

In too many cases, the lending company will not accept a short sale, as they believe the person can pay their loan or that they can still receive the amount owed on the loan through foreclosure and resale. However, the decision is often based on the real estate market in the area.

A short sale is actually negotiating with the lending company to get them to take less than you owe on your mortgage loan. If at all possible, the idea is get the lending company to accept the money received from a short sale as the full amount on the loan whereas, nothing more has to be paid to satisfy the loan.

In most cases, during the negotiating the lending company will provide an amount they will accept to satisfy the loan. If this amount is not met, the seller will then have to pay the rest before the lending company will give the title of the home to the new owners.

Click here for information about Non-Purpose, Non-Recourse Securities Loans

Bulk REO Investing’ is the name of the new strategy, and it’s captured the attention of many well-heeled investors.

Foreclosures are at the heart of the Bulk REO business, so let’s consider the foreclosure process.

Understanding the notion of Bulk REO’s requires understanding of the foreclosure process.

A home owner who misses one or more mortgage payments is faced with an ever-increasing volume of threatening correspondence from their lender. The official foreclosure proceedings begin subsequently, as directed by the lender. From that time through public auction is called ‘preforeclosure’.

Foreclosure is completed when the property is put up for auction. The lender regains ownership of the property if there are no buyers at auction. The lender then categorizes the property as ‘Real Estate Owned’ – or ‘REO’ for short.

Local real estate agents are usually used to resale REO properties at retail price to the general public. However, REO properties are now frequently sold for far less than their ‘book value’. Lenders are willing to do so in exchange for the buyer’s agreement to purchase a ‘package’ of REO’s rather than a single property.

There is huge profit potential in these REO packages for qualified real estate investors. REO packages are easiest to buy and sell with a well regarded source of financing in place. There are many sources of funding for these transasactions including: hard money and commercial financing, as well as non conventional sources such as hedge funds and private investors. Additionally, one man is becoming very well known in the field of bulk REO investing, and his name is Salvatore Bushemi of Dandrew Capital Partners, a New-York based hedge fund.

Click here for information about Non-Purpose, Non-Recourse Securities Loans

That opportunity is called Bulk REO Investing, and the opportunity is huge.

Let’s take a moment to analyze the basics of this incredibly lucrative business.

To understand Bulk REO investing is to understand the foreclosure process.

When a home owner begins to miss payments on their mortgage, the lender begins to send late/overdue notices to the home owner. After a certain period, the lender will then formally begin foreclosure proceedings. The name for this period is ‘preforeclosure’.

To complete the foreclosure process, the property is auction to the public. The lender regains ownership of the property if there are no buyers at auction. The designation of ‘REO’ (Real Estate Owned) is then attached to the foreclosed property.

Lenders usually try to unload their REO properties at close to retail price by listing their REO’s with a real estate broker. But as a consequence of the weak economy, lenders are frequently selling their REO properties far below their actual value. However, the purchase of a ‘package’ (or group) or REO properties is the trade-off for receiving such great prices.

The REO investment packages available today have provided a way to profitably capitalize on the U.S. recession. Bulk REO Investors are most successful when they have a well-established source of funding for their REO packages. Some sources of funding for these transactions are: personal funds, hard money lenders, commercial lenders and non-conventional sources such as private investors and hedge funds. Additionally, one man is becoming very well known in the field of bulk REO investing, and his name is Sal Bushemi of Dandrew Partners, a hedge fund in New York.

Click here for information about Non-Purpose, Non-Recourse Securities Loans

The new opportunity is known as ‘Bulk REO Investing’ or ‘REO Package Investing’ and it’s a huge opportunity.

Consider with me, if you will, the fundamentals of the Bulk REO business.

To understand Bulk REO investing is to understand the foreclosure process.

Mortgage lenders faced with a non-paying home owner send a large volume of threats, warnings and documentation to the borrower who is late. The lender directs the subsequent timing of the actual foreclosure proceedings. ‘Pre foreclosure’ is the name given to the time between implementation of the foreclosure proceedings and the public auction.

Foreclosure is completed when the defaulted property is auctioned. Ownership of the property is returned to the lender if the property is not sold at auction. Such a property is then classified as an ‘REO’ (Real Estate Owned) by the lender.

REO properties are usually listed for sale with local real estate agents. However, REO properties are now frequently sold for far less than their ‘book value’. Lenders are willing to do so in exchange for the buyer’s agreement to purchase a ‘package’ of REO’s rather than a single property.

The REO investment packages available today have provided a way to profitably capitalize on the U.S. recession. One of the best ways to take advantage of Bulk REO Investing opportunities is to partner with a well-regarded source of funding. There are many sources of funding for these transasactions including: hard money and commercial financing, as well as non conventional sources such as hedge funds and private investors. Additionally, one man is becoming very well known in the field of bulk REO investing, and his name is Salvatore Buscemi of Dandrew Capital Partners, a New-York based hedge fund.

Click here for information about Non-Purpose, Non-Recourse Securities Loans

This new opportunity – known as ‘Bulk REO Investing’ – is so huge it’s captured attention from wealthy investors and private investment funds alike.

Foreclosures are at the heart of the Bulk REO business, so let’s consider the foreclosure process.

Understanding the notion of Bulk REO’s requires understanding of the foreclosure process.

Mortgage lenders faced with a non-paying home owner send a large volume of threats, warnings and documentation to the borrower who is late. The official foreclosure proceedings begin subsequently, as directed by the lender. From that time through public auction is called ‘preforeclosure’.

The defaulted property is ultimately auctioned, thus completing the foreclosure process. If there are no buyers at the foreclosure auction, the lender regains title to the property. The lender then categorizes the property as ‘Real Estate Owned’ – or ‘REO’ for short.

Lenders usually try to unload their REO properties at close to retail price by listing their REO’s with a real estate broker. However, lenders are increasingly willing to take much less than their REO asset is actually worth. The trade-off is that the buyer must purchase multiple REO properties in each transaction.

The REO investment packages available today have provided a way to profitably capitalize on the U.S. recession. One of the best ways to take advantage of Bulk REO Investing opportunities is to partner with a well-regarded source of funding. Some sources of funding for these transactions are: personal funds, hard money lenders, commercial lenders and non-conventional sources such as private investors and hedge funds. Additionally, one man is becoming very well known in the field of bulk REO investing, and his name is Sal Bushemi of Dandrew Partners, a New-York based hedge fund.

Click here for information about Non-Purpose, Non-Recourse Securities Loans