Options and Solutions Depend on Many Factors?

* Are you wanting/trying to keep your home or property?

* What funds do you have?

*Are you already in foreclosure?

*Are you in COVID-19 Forebearance?

* Are you just wanting to Buy Time?

* Are you trying to keep your credit good so you can buy a home again?

Law 5


When you fall behind in your mortgage payments, things start to happen very quickly. In most cases, these things are unpleasant or even frightening. Notices to pay begin to appear in your mailbox constantly, your Lender begins to ring your phone relentlessly, and the Lender/Bank who loaned you the money for you to buy your home is not as friendly now. We are here for you to provide and implement options to help solve these things for you.

If you have become delinquent in your mortgage(s) you will begin receiving a lot of bad information – some, are not so subtle suggestions, from so called investors. These people who approach you want to take advantage of your situation and temporary misfortune! They may propose you to solve your problem by suggesting you sell or deed your property to them.

Beware: Do not act without understanding

your options or the potential

negative consequences you might create.

Your situation is unique. What worked for someone else may not work for you, and you may have options that other people do not have. Furthermore, each lender has its own way of handling foreclosures and available options to those who want to avoid foreclosure. Instead of “grasping at straws,” understand your options so that you can make a good decision.

If you are facing foreclosure, you usually have several options. This is why we are here, We help you decide what is best for your family. The only way to do this is with information. Call us now.

Calling us directly is the

fastest way to your solutions



If you prefer filling out the form, we will get back to you shortly


    Get Started Today 714-812-9773

    The Following are just some of your available options…

    Sell Your Home

    Ideally, you could sell your home for more than what you owe on it. In recent years there has been a large equity build up you can probably take advantage of. GetAShortSale.com can help with this. We are full service real estate professionals who can assist you with every aspect of the sale of your property. Call us to learn how we can help you sell your home. The wonderful thing is that we understand the situation your in and can be very discreet about your situation while your going through the selling process.

    We can sell your property with no sign in the yard

    No Nosy neighbors checking in

    If tenant occupied – Avoid telling tenants

    When discretion is need

    CALL US TODAY 714-812-9773

    A Short Sale

    Unfortunately, many homeowners today are facing the fact that their homes are worth less than they owe. This called being “upside down” in a mortgage and is more common than ever in today’s housing market. Fortunately, a “short sale” may be possible when you are facing this dilemma. GetAShortSale.com may be able to negotiate with your mortgage company and get you approved for a short sale that will cover not only the mortgage but all of your closing/sales costs. In most cases, lenders pay the real estate commissions, title fees, taxes and other costs associated with a short sale.

    CALL US TODAY 714-812-9773


    If you just want a way to lower your payments or get some “breathing room” with your mortgage, you may want to think about a refinance. A refinance will allow you to lower your payments and stay in your home. We can put you in touch with lenders who possibly can help you with your refinance.

    CALL US TODAY 714-812-9773

    Loan Modification

    ● Because of high rates of foreclosure, lenders are often willing to consider other options than foreclosure. A loan modification or workout is a permanent change in one or all of the terms of an existing mortgage(s). These changes may include:

    ● Extending the terms of the loan. By making the loan term longer, the payments are automatically lowered to a much smaller amount. In some cases, payments can drop by hundreds of dollars per month using this method.

    ● Lowering the interest rate. When interest rates are lowered, payments are also lowered. The payment becomes more manageable and, as an added bonus, you pay less over the life of the loan.

    Converting an adjustable rate loan to a fixed rate loan. If you were the victim of an ARM and now cannot make your payments, your lender may be willing to fix the interest rate at a manageable level.

    Add balances to the end of the loan. Past amounts owed such as fees, penalties and unmet payments, can sometimes be incorporated into the balance of the loan, making it easier to pay for them over time.

    Deed In Lieu of Foreclosure

    WARNING – BE CARFUL WITH DOING THIS. IT 90% HELPS THE BANK – NOT YOUR FAMILY. Under the terms of a Deed in Lieu of Foreclosure, the borrower offers the lender the deed to the home rather than go through a foreclosure proceeding. This is also known as “turning the house over” or “giving the house back” to the bank. Lenders like this option because they money, even though they must now find a buyer for the home. However, a Deed in Lieu of Foreclosure does not satisfy any residual balance left after the property is sold, so it is of little to no benefit to the homeowner from a financial standpoint. A Deed in Lieu of Foreclosure will not help the homeowner’s credit rating significantly like a short sale can.


    Get Started Today 714-812-9773

    Forbearance Agreement

    If a borrower is experiencing a temporary financial setback, a Forbearance Agreement with the lender may be a good option. A forbearance agreement usually involves the lender delaying foreclosure in exchange for some type of promise on the part of the borrower to repay the full amount within a given time period.

    In most cases, lenders consider the facts and circumstances of the homeowner before deciding to grant forbearance. This would include such factors as:

    ● The reason for the delinquency. Did the borrower lose his or her job temporarily? Did the borrower or a family member suffer some sort of accident or illness? Was there a reason for the delinquency beyond simply “getting behind” on bills?

    ● Have the difficulties or problems been corrected? The mortgage company or bank wants some type of reassurance that the borrower can meet the terms of the new agreement.

    In most cases, the mortgage company or bank will add a set amount to the new payment to “catch up” the delinquent amount.

    Do Nothing

    Unfortunately, many homeowners do nothing. This is not because they want to cheat anyone out of money but because they are simply overwhelmed and do not know how to handle the situation. Ultimately, doing nothing will result in a forced foreclosure, eviction from the home and damage to your credit rating.

    Don’t Let This Happen To You…

    CALL US TODAY 714-812-9773

    Alternative Options

    There are alternatives to foreclosure. It may not seem as though you have any other option – Call us and let us review your specific situation and we can recommend the necessary steps to take to avoid foreclosure.


    You don’t have to interact or take any mistreatment from your bank again. We know your bank has mistreated you if you have gotten behind on your mortgage payments. We will now be your strong voice. We have the knowledge to make them work with us. You won’t have to experience the frustration of dealing with your bank again.

    Want Us To Do Your Negotiation With Your Lender