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We specialize in out-of-court resolutions of Mortgage Foreclosures by negotiating with your lender. Let our expertise help you save your home. We can give you the Foreclosure help you need.
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Foreclosure Help - Where should you start?
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This page is dedicated to Help Stop Foreclosure. We want to show you where to begin to solve your mortgage issues if you find yourself either behind on your payments or in an active foreclosure.
Begin at the beginning
Ask your self these questions:
1. What caused you to get behind?
2. Can you afford the mortgage payment now or in the future?
3. Do you have any equity in the home?
4. What is your goal with the home?
Let's work through your answers:
What caused you to get behind? - It is very important to be able to figure out if this is a short term problem or a long term issue. If it is short term then you have a great chance at resolving this. If it is a long term issue then you must make some changes to get back on track.
Can you afford the mortgage payment now or in the future? - You need to look long and hard at this one if you need Foreclosure Help. Reality must rule your answer. Many people say they can afford the mortgage but never take a look at their budget and see what it says. Create a monthly budget... look at your income vs. your expenses and chart them. Is your income for the month larger than your expenses? If "yes", then we are going in the right direction. If not, you need to look at what expenses you can cut or what income you can gain. The bottom line is that if you intend to keep the home no Mortgage Company is going to give you another chance and get you caught up if you can't afford the home. They will ask and you need to prove that to them. If you don't have a budget form please download our free Financial Statement.
Do you have any equity in the home? - This may seem trivial but it is very important. This blog post discusses that topic and some issues related to Home Equity. If you intend to keep your home equity may play against you. If you intend to sell the home than that is in your favor.
What is your goal with the home? - Do you want to keep the house or sell it? If you want to keep it we need to determine a strategy to help stop the foreclosure. If you need to sell the house then you should consider contacting a Realtor and getting it on the market. Please go to our resource center, click on your State and see if we have any AFS approved agents in your area to help you sell the home.
The entire goal of the is site is to help you stop foreclosure. Sometimes that means that you need to sell your home. It is better to sell the home and not have a foreclosure on your record. This will allow you to buy another home in the future. If you allow the home to foreclose then you may not be able to purchase another home for many years.
Do you want to save your Home?Fill Our Our Free Questionnaire
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IMPORTANT NOTICE: American Foreclosure Specialists (AFS) and our services are not approved by the government or your lender. www.afscanhelp.com is not associated with the government, nor is it a government sponsored website. To access information on government sponsored assistance, please visit makinghomeaffordable.gov. You need to know that even if you accept our offer and use our service, your lender may not agree to change your loan. Also, if you stop paying your mortgage, you could lose your home and damage your credit rating. Work Out and Loan Modification Plans vary and are dependent upon mortgage company criteria and financial information gathered as part of the efforts AFS provides. The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the website is accurate and complete at the date first published, however you should recognize that information contained on this website may become out of date over time. Readers who have particular questions regarding real estate law, finance, or who believe they require legal counsel, should seek the advice of a financial advisor or an attorney. AFS is neither a bank nor an attorney company. By submitting this contact request, you are consenting to be contacted by foreclosure specialists by telephone and/or email, even if you have previously listed yourself on any state or federal Do-Not-Call List.