The banking industry is in trouble! 

You have seen it in the news. There are so many mortgage loans in default that some lenders are going under.  Chances are good that you can get your bank to allow you to sell your house for less than you owe them.  This has become so common now that in some areas more than half the houses sold last month were sold for less than the amount owed on the mortgage.  These are called short sales.   You do not have to be behind on your mortgage payments to qualify for a short sale. 

Time is your enemy! 

When facing foreclosure Time is of the Essence. You MUST act fast to protect your rights. Many people who need foreclosure assistance simply do nothing and hope for a miracle. Don't fall into that trap! 

Act Now! 

If you are looking for a realistic long term solution to your financial problems

The longer you wait, the harder it is for me to help. This is especially true for a short sale.  The later in the foreclosure process you are, the less incentive your lender has to work with you.  If your house payments are more than a month behind, your lender has probably already started foreclosure proceedings.  As time passes, thousands of dollars in penalties and legal fees can be added to the balance you owe. And every single day extra interest is added!  Sometimes homeowners are not even aware how far foreclosure has progressed.  I talk to people every day who did not even know that their house had already been sold at auction.  Don't let that tragedy happen to you!