Foreclosure FAQS

Q: My credit is bad, am I wasting my time, and is a foreclosure inevitable?
A: No. Almost everyone who has fallen behind on house payments has had some credit problems in the past. Our goal is to help everyone, regardless of credit.

Q: Why did my mortgage company send me my payment back?
A: After your mortgage company accelerates your loan, they no longer accept a payment less than the full amount due. They are likely to send it back to you, asking for the whole amount. The reason for this has its origin in case law.

Q: What do I do if someone stops by the house?
A: It is possible that investors or bank representatives will come by and look at your house. This is their way of evaluating the condition of the collateral on your mortgage. The bank may be checking that it is not vacant.

Q: How much time do I have?
A: Foreclosure proceedings can take anywhere from a few weeks to 6 months, but the short answer is that time is not your friend in this situation. We will need every minute of time that we have available to create and enact a plan on your behalf. Procrastination will assuredly result in your losing your home. Talk to us today.

Q: Can My Home Saver help with my other bills?
A: Not directly. We specialize with one thing, catching up your mortgage. We are not in the business of providing consolidation loans, but we will discuss all your options with you.

Q. Can I get help immediately?
A: Yes. You may call us, email us or fill out an application right now. We’ll usually get back to you within one business day.