Isn't my house an asset and an investment?

When in foreclosure; your house is a liability and a total burden on yourself and your family. It is best to unload the liability while you get back on your feet. The house is an asset of the bank, and they want it back. Investments should pay you money, not take money from you. Real estate taxes and insurance are expenses, not investments. Many real estate agents and mortgage brokers give the sales pitch that your house is an asset and an investment. This is a vague statement because they are not telling you whose asset or investment the house is. It's the banks! They are making commissions on your decision to buy a house, sometimes in the worst interests of you, and the best interests of themselves. Do they really help you?

Is my bank trying to steal my house and my equity?

After back taxes, back insurance payment, back interest, back payments, and back penalty fees, there is no equity left. But do not be afraid. Houses with no equity or even negative equity are my specialty! I help people all the time. I will help you! Even if you have equity, the solutions are numerous.

What if my house is a dilapidated mess, or my house is a beautiful castle?

My solution works with both pretty houses and broken down houses. It doesn't matter. I can help you.

What if I don't want to leave my home?

At this point you cannot afford your home. This happens to 1000s of people in NJ per month. If your mortgage is $1500 monthly and your taxes are $200 monthly and your insurance is $100 monthly, you are spending $1700. Don't forget expenses and maintenance. The same space might rent for $850 per month, with no responsibilities. How would you like to cut your monthly expense by $1000 per month! This will help you. If you infact think you want to refinance to bring your payment down or even take some cash out, you can click here, REFINANCE.

What if my second mortgage holder says they want their money and so does everyone else?

Anyone with a lien on your house stands to loose everything if the foreclosure goes through! The first mortgage is the one foreclosing on you; they are in the superior lien position. Everyone else fall in behind the first mortgage. You may even be getting phone calls from everyone except your first mortgage lender! The first mortgage holder will get the house and their money, so they aren't worried. Work with me and get rid of the little creditors.

Why will the first mortgage holder work with me?

This answer may defy logical thinking. It has to do with velocity of money and time value of money. First position mortgage lenders work with homeowners in foreclosure in order to recapture a defaulting loan and re-loan it out to someone who can and will pay. Cash flow from interest is the name of the game for banks. Today's money has to be paying interest. When a homeowner stops paying, the banks loose interest payment, and time value of money. This creates a catch 22 situation for them such that if they settle now, they can make even more money later. Time is a huge concern to them, and rates are an even more problematic. With low interest rates, they need their money back to get it lent out again at an equal or better interest rate for them. Yes, big banks can loose money, while making money at the same time. It's a paradoxical situation that I can help you discover now. Banks will work with me and you!

What if I'm embarrassed to call?

You are not alone in your situation, this happens to hundreds of thousands of people all over the USA . Some people think that calling is like being defeated, when, in actuality, it is the first step to a great turn around. Ask for help, I'm here to help you. You should take control now and stop the foreclosure process in its tracks. Or simply fill out this FORM and someone will get back to you within 48 hours.

What if I can't seem to make a decision?

It can be really stressful and taking action now is difficult. You need help. Your problem is real estate in nature. And you need a real estate solution. That is what I do! I can help you with your real estate problem. Lawyers, accountants, and your most important advisors, may be completely disqualified to guide you in a real estate solution. I am, work with me!