Thursday, November 13, 2008

Can Home Assure Help Stop Your Foreclosure?

Foreclosure Can Happen to Anyone - Free Information to Help Stop Foreclosure

Foreclosure is one thing many people think will never happen to them. In reality it can happen to anybody.
There are several reasons that could leave us facing foreclosure:

- Economic Downturn
- Rising Interest Rates
- Unemployment
- Personal Emergency
- Sickness or Injury
- Loss of a Family Member

Listed above are only a few of the very possible reasons.

Don't Go Out Without a Fight...

It is crucial for your future and the future of your family to act immediately. If you want to save your home and your credit, you must move quickly in order to avoid foreclosure. Even if you're not interested in keeping your home, it's important you take steps to protect yourself and your future.

Listed below is just some of what could happen if your home is foreclosed on.

- You will lose all your equity as well as your home (home value less the balance of mortgage)
- Your credit history will show you went through a foreclosure and make it very difficult to purchase another home in the future.
- Your mortgage company will probably take you to court for the outstanding monies you owe after proceeds of your foreclosure auction.
- The stability  of your family will be shaken as you are forced to move and your credit rating is negatively impacted.

Below is a short list of the most common ways to stop foreclosure:

- Loan Restructure(Most Effective Method) - Bringing your loan back into good standing by negotiating with your lender. This option can often result in your monthly payment actually being lowered.

- Reinstatement Plan - Pay your lender all of your past due payments to bring your mortgage into good standing. This option is seldom feasible

- Loan Refinance - Arrange a new mortgage through a different lender

- Sell Your Home - Sell your home prior to the Foreclosure Sale Date at the required sale price. Due to time constraints this option is often not possible.

- Short Sale - Negotiating with the mortgage company to take less than what you owe on the loan to avoid a lengthy and costly foreclosure process.

- Deed-in-Lieu of Foreclosure - Arrange to simply give the home back to the lender..

- File for Bankruptcy - This is a last resort. This will only save your home for the time being.

- Foreclosure - You may choose to let the home be entered into foreclosure. The lender will take your home and all of your equity. If you don't have enough equity you will more than likely be served with a deficiency judgement to pay the shortfall or amount left outstanding. This option is the least desirable and most damaging to you, for your credit and your ability to acquire a home in the future.

What Now... What's Your First Step in Stopping Your Foreclosure?

By far the most important factor in stopping your foreclosure is SPEED. Time is not your friend..

If you are in, or are close to being in the foreclosure process you need to move quickly.

If you are comfortable with loan restructuring, loan refinancing or how to quickly sell your house then start moving on these options now.

Are you rolling the dice with your home and future? If you aren't comfortable quickly taking action to save your home you may want to consider HomeAssure and leave it to the experts.

HomeAssure, is the nation's leading Foreclosure Mitigation Company. The Company and it's Management Team have
assisted thousands of customers in avoiding foreclosures and keeping their homes.

Whether your objective is to stay in your home or simply get out of it without going through a foreclosure Home Assure's mediators know exactly what to do.


They will negotiate with your lender to help you stop your foreclosure, so you don't have to! Because they know and work with all the lenders regularly, they're able to present your situation in a way that will provide you with the very best solution.

A HomeAssure professional will review your situation and determine if you have a realistic chance of avoiding foreclosure during your initial Free phone call, prior to making any payments.

If HomeAssure is not able to negotiate a reasonable solution with your mortgage company, to prevent foreclosure, or remove your delinquency, they will refund your money.

Why chance doing this alone? The professionals at HomeAssure know how to help stop foreclosure. Your initial consultation is totally Free and provide a Full money back guarantee if they are unable to offer you a reasonable solution to stop your foreclosure.

Time is the most critical factor. With every day that
passes, the options become limited or more complex.

Get a FREE Consultation today from Home Assure to help stop your foreclosure.

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