Welcome to ForeclosureForgiven.com - Real solutions that could save YOUR home from a Real Problem. When possible, bankruptcy should be your LAST option. Be sure to read your other options below and CONTACT US if you still have questions.
Has a Hardship affected your ability to pay your mortgage?
* Job Loss?
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* Divorce
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* Increase in property taxes
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* Auto Accident
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* Lawsuit
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* Loss / reduction of Income
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* Illness or Injury
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* Student / Military
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* Increase in Rate/Payment
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While are not aware of any lender "forgiving" your debt and allowing you to keep the home, we know that in many cases, you may be able to SAVE YOUR HOME and STOP THE FORECLOSURE process right in it's tracks. How? Just a few simple steps.
Below are some -
Options to Keep Your Home
Repayment Plan - An agreement where you resume making regular monthly payments in addition to paying a portion of past due payments, until the loan is current.
Modification - If you can make payments on your loan, but do not have enough money to bring the account current, you may be able to modify the terms of your original loan to bring your loan current.
If keeping your home is not feasable, and a regular sale is not an option, see below-
Options to give up your home:
Short Payoff (Short Sale) - if the payoff amount of your loan is greater than the fair market value of your property, you may qualify to sell your home for less than what you owe.
Deed in Lieu of Foreclosure - If you have had your property listed for a period of time with no activity, we may accept title to your property as settlement for the debt.
*Your loan may have lender paid mortgage insurance. The mortgage insurer is highly motivated to work with you to resolve the situation. Please call to find out how to qualify for several available options.
Click above to watch a FREE quick video on how to
prepare to request a loan modification to save your home!
What you need to get started:
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 Completed Financial Information Request Form. Don’t forget to have all borrowers sign and date it! The form below applys to a specific lender. To contact YOUR lender (servicer), click here.
 Copies of 2 most recent pay stubs (or proof of other income) for all borrowers. Pay stubs must be within the past 30 days. If self-employed we require the past 6-months bank statements to show income stream.
 Copy of your most recent Federal Tax Return or Extension request. W2 forms do not satisfy this requirement.
 Copy of all property tax bills (paid and unpaid) for the last 12 months.
REMEMBER: You will need ALL of the documents listed above before your situation can be reviewed for consideration.
Step 1: Find out where step the foreclosure process your home is in?
Use our County Court Website Locator to find the website for the county handling your foreclosure and then run a search to find out. You may also call the phone number listed on the site to confirm the current status of your case. For most states, if a judicial sale date is set for your home, it MUST be a date in the future. If it has passed, or is quickly coming (7-10 days, for example), you may not be able to apply for a Loan Modification and may have to consider legal advice before proceeding.
Step 2: Contact your Loan Servicer's Loss Mitigation Team right away
Use the information on THIS LIST to to contact your lender. If you wish to stay in your home, ask about applying for a Loan Modification. Yes, make no mistake about it they REALLY DO want to talk to you and work out a solution to keep you in their home as this keeps THEM at their jobs.
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