Keep Your Home

Want to Keep Your Home? Let’s Start There.

For many homeowners, the most important question is simple: “Is there any way I can keep my house?” Sometimes there may be. The best place to begin is by understanding your mortgage status, your income and expenses, and what your servicer may be willing to review.

Do not wait until everything is perfect. If you are missing documents, call us anyway. We can help you understand what may be needed and what should happen first.

Loan Modification

A loan modification changes one or more terms of an existing mortgage, subject to lender or servicer approval. The goal is usually to create a payment structure the homeowner can reasonably maintain.

Mortgage Reinstatement

Reinstatement generally means paying the amount required to bring the loan current. If funds are available, this can be one of the most direct ways to cure a default before a foreclosure sale.

Repayment Plan or Forbearance

Depending on the servicer and the homeowner’s circumstances, a repayment plan may spread past-due amounts over time, while forbearance may temporarily reduce or suspend payments. These options are not automatic and usually require financial review.

What Documents Should You Gather?

Having these ready helps your review move faster:

Most recent mortgage statement
Recent bank statements
Recent pay stubs or income records
Tax returns when requested
Year-to-date profit and loss statement if self-employed
A simple explanation of the hardship
Letters or notices from your lender or trustee

If a Sale Date Is Already Scheduled

If a trustee sale date has already been scheduled, time matters. Options for keeping your home may require time to review and may become more limited as the sale date approaches. Understanding where you are in the California foreclosure timeline can help you determine what options may still be available. If keeping the home is no longer the best path, we can also help you explore whether selling the property may protect your equity and give you greater control over what happens next. Talk through your options today.

Talk through your options today.

Service Area

Los Angeles, Orange, Riverside, San Diego, San Bernardino , Santa Barbara, Ventura, Imperial, Sacramento, Santa Clara,San Francisco, San Luis Obispo, Fresno County

FREE FORECLOSURE REVIEW:

(877) 359-7715