Are you facing financial difficulty?

You are not alone. Millions of people work hard every day to pay relentless bills, one after the other. The largest bill for most people is their mortgage payment. The stress over not being able to make your mortgage payment may seem unbearable, but there are actions you can take and we are here to help.

We understand it is frustrating to sit on the phone with your Lender, explain your situation over and over again, hold for hours only to be disconnected and start all over again. The process is overwhelming to say the least. Our job is to do the hard work and mediate with your Lender on your behalf to lessen your financial burden.

Our professional Loan Modification Specialists will be on your side of the case to find a resolution and save you time. The sooner you call, the sooner help is available.

Financial difficulty does not discriminate. It can affect people of all occupations, all over the country. Financial difficulties are most often associated with major life changes such as:

• Job loss
• Cuts in work hours or overtime
• Decrease in home value
• Illness, injury, or death of a family member
• Divorce or Separation
• Payment adjustments

Whether your mortgage is for $100,000 or for $100 million, you must take the first step so we can work together with your lender to find a solution. There are several options when you are facing financial difficulty, especially the burden of a mortgage loaming over your head. We recommend you review your personal situation. Our goal is to fortify you and your community and prevent the unnecessary losses that are facing so many home owners today. Please take the time to review your goals and see if we are a good fit for you.

Foreclosures have spiked on a national level during the first six months of the year, and they continue to climb as we near the close of 2008. Current trends and Borrowers thought processes are putting this Nations already unstable economic stability at a risk that has not been experienced since the great depression of the ‘30’s.

Meanwhile, the number of Americans at risk for losing their homes has risen during the first quarter to unprecedented numbers as a direct result of the trickle down effect that is happening to commerce both locally and abroad. Almost one in ten U.S. mortgage holders faced foreclosure or were behind in their payments in the quarter. There is a back lash that is being created by home owners walking away from their homes because the property value is lower than what they currently owe on it. Home Owners fail to realize that they will still be responsible for all or part of the Mortgage that they walk away from. We work hand in hand with Home Owners to protect them from this taxation that will further destroy our economy, if left unchecked.

With home prices expected to keep dropping, foreclosures and late payments are going to continue to go up in the months ahead, this trend is anticipated to continue through 2009. Borrowers are left owing more to the Bank than their homes are worth. They are under the impression that they can't sell without taking a financial hit, so they just walk away. The error in this thought process and it's effect which creates economic instability will be much worse than what this country has seen since the great depression in the ‘30’s. Failure to take responsible action with ones own fiduciary responsibilities will effect the borrowers ability to bring their own economic stability to a place of comfort for years after the U. S. economy stabilizes.

Nationally, about 2.47 percent of mortgage holders were in foreclosure in the first quarter, and loans that were overdue by one or more payments grew to 6.35 percent. Both figures are the highest since 1979 and collectively represent about one in ten mortgage holders. As FDIC affiliated organizations become in jeopardy of being reorganized by the federal government for having a risk factor in negative holdings that exceeds governmental guide lines, it becomes more important then ever for Home Owners to start taking responsibility of their choices and not walk away from their fiduciary responsibilities as this is systematically destroying our Great Nations Economy.

While the foreclosure start rates were up for all types of mortgages, the forces fueling the national increases were driven by Adjustable-Rate Mortgages and Pay Option programs “Neg Am loans” - where the interest rate is periodically adjusted based on a variety of indexes. Borrowers making minimum payments because they purchased homes they truly could not afford.