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The most important thing is not to give up!

Let's look at some of your options. This is truly valuable information, and I don't think you are going to see all of these options explained together like this anywhere else. As always, remember that I am not an attorney or CPA and I don't give legal or accounting advice. I simply want to help you stop foreclosure.

1. To stop foreclosure, make up back payments. If you have the money, the absolute easiest solution is to write a check to the mortgage company to make up the back payments, late fees, and legal expenses.

2. Do nothing.  If you don't pay the lender, they will most likely foreclose on the mortgage, force you to move out of the house, sell your house at auction, ruin your credit, and possibly even send you a bill when they sell the house.

3. Sell your home to us and stop foreclosure NOW. We may be able to buy your house in as fast as 3 days, stop foreclosure and save your good name and credit report. Do you have very little equity in your house?  No problem, we are very accustomed to working with mortgage companies and can probably work out a deal where everyone wins. To discuss this option further fill out this Fast Offer Form to send us some of the details of your situation so we can discuss with you some options for what we can do for you.

4. Make payments up over a few months. To stop foreclosure, many lenders will negotiate a deal with you to take what you owe them and pay it over a few months IN ADDITION to the normal mortgage payment. Our experience has been that 91% of the time people try this option it fails and they are not able to stop foreclosure, because they are not able to afford payments that are 20-30% more than the ones they originally couldn't afford.

5. Restructure the note. If you are a skilled negotiator and are able to prove to the bank that you have taken care of the problem that caused you to fall behind originally, many lenders will take what you owe and add it on to the end of the mortgage in the form of additional payments to stop foreclosure. Depending on how the note is restructured, the interest rate could go up and/or the payment could go up. To stop foreclosure this way is very difficult.

6. Refinance to stop foreclosure. Once again, speak with your lender about this option, but if you have enough equity or if you originally had a 15-year mortgage, this option could actually lower your payments!

7. Stop foreclosure with an equity/line of credit loan. If you have a line of credit with your bank or if you qualify for a home equity loan, either of these options may give you the cash you need to bring the mortgage current and stop foreclosure. Once again though, be sure to evaluate whether or not you will be able to afford payments that will be higher than the ones that caused you to get behind.

8. Stop foreclosure through a Debt agency. You've seen them on TV; you've seen their ads in newspapers. "Bring us all your debt, and we'll negotiate with your creditors to stop foreclosure and lower your payments!" Some of these agencies are great and will help you stop foreclosure; others will help you for a hefty fee and at the expense of your credit for the next 5-7 years. BE CAREFUL!

9. Bankruptcy. Consult an attorney to stop foreclosure. My basic "non-legal", "non-advice giving" description is that a judge will determine what you need to sell, what you can keep, how much interest your creditors get, and what your payments will be to ultimately stop foreclosure. This can be extremely helpful for some people, but it will show up poorly on your credit report for several years.

10. Relative/charity. Some charities or government organizations will give you the money to bring your mortgage current and stop foreclosure if you can prove to them that it won't happen again. If you're very lucky, some relatives will offer to do this also.

11. Deed in lieu of foreclosure. Some lenders will allow you to give the house back to them in order to stop foreclosure. This will also show up on your credit report for several years.

12. Legal proceedings. I can't and don't want to go into detail, but your attorney may be able to stop foreclosure for quite some time by flooding the mortgage company with legal proceedings.

13. FSBO.  If you've got months to wait and your house is in perfect condition, this may be a good option for you. Normally neither of these is the case when you want to stop foreclosure fast.

14. Realtor. A great Realtor can be worth their weight in gold.  Just make sure you pick the right one!

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Here are some of the benefits to you of letting us buy your home:

• When we buy your home, you are saved from having a foreclosure on your credit which could deny you the privilege of owning another home for a very, very long time.

• There is no charge to you - no money out of your pocket and you bring NO money to closing.

• We will END your stress by talking to the bank so that you don't have to.

• We pay any back taxes due through the date of the sale.

• We will give you honest information and the foreclosure timeline.

• We'll keep you updated during the entire process.

• We'll get your name off of the deed.

• We have helped many others in the same situation.

• We have references.

• We will meet you face to face.

• Even if you owe more than the house is worth - we can often still work with the bank.

• Even if you have filed bankruptcy or want to, we can work with the bank.

• Even if you have a couple of liens on the property - that's OK.

• You won't have to do ANY more repairs.

• Start your financial life over again with all the liens attached to your house GONE!

• We make no promises we can't keep.

• End your stress!

• We'll take the burden of your house off your shoulders.

• You will be allowed to save your car.

• You will be able to save your credit.

• Our goal is to pay as little as possible for your house and you (the Home Owner) NOT pay the difference.