Options to save your house from foreclosure -Loan modification and restructuring - Check us out: See our VIDEO Presentations: www.SaveWithRealEstateAmerica.com

1. www.SaveWithRealEstateAmerica.com

2. Qualification: Typically, you need to be in a position where
you no longer can afford to make payments
to your lender. You are basically getting
behind with your mortgage payments.
We can HELP
Sudden hardship involving loss of income, or We will
an immediate family death. negotiate with
your lender to
An increase of an adjustable rate mortgage avert further
damages and
Foreclosure threat from your lender obtain a
mortgage plan
Inability to obtain refinancing due to lack of that will work for
substantial value in your home (lack of you.
equity)
We try to get
late fees waived
Inability to get refinancing due to damaged
and obtain a
personal credit
payment that
you can afford!

3. 1) Most recent pay stubs (for the past 30 days)
2) Last two months bank statements
3) Last two years W2’s or tax returns
4) Copy of current mortgage payment coupon
5) Any lender correspondence
6) Any legal correspondence from your lender
7) A letter stating your hardship
8) Documentation supporting your hardship (if job
loss, letter indicating layoff, if sick provide a medical
letter etc.)
9) Application with current financial information
10) Provide a letter indicating any and all efforts to work
things out with your lender
11) A signed authorization for us to represent and
communicate on your behalf with your lender
(power of attorney)

4. IF YOU WANT TO GET OUT:
A short sale will show your efforts to work with your
lender and may help in the future when you try to
re-establish yourself.
It’s less expensive than a foreclosure and could get
your property sold.
It will decrease your exposure as well as the lender’s
It’s the next step if a “Loan Modification” is not
achieved with your lender

5. Consideration would normally be
given after:
1) Having tried to refinance
your mortgage
2) Having tried the Loan
Modification process
3) Having tried a short sale
Your efforts will help
with your future credit.