Option 1: Stay In Your Home

Stay In Your Home Options

Yes there are many options that may allow you to stay in your home. Even if you haven't missed a mortgage payment but are concerned you may... now is the time to take action. You will find a summary of your options outlined below.

For additional option information you can request, for free and without obligation, a copy of the 'Stay In Your Home' E-book delivered to you instantly by way of email. It will provide program details for each option. The E-Book request form is located at this bottom of this page.

Your 5 Options

You have 5 options to review when considering how to stay in your home.

1. Refinance Option

You may be able to secure a new loan with more favorable terms, rates, and payments. The new loan will replace your existing, providing much needed financial relief.

Here are your benefits!

• More affordable monthly payment.
• No negative impact on your credit history.
• You stay in your home and avoid a short sale or foreclosure.

You may also qualify for the US government's program called HARP, (Home Affordable Refinance Program), designed to help homeowners who cannot obtain refinancing from traditional lending institutions.

• http://www.makinghomeaffordable.gov/eligibility.html

2. Repayment Plan

If you are behind on your payments, this agreement between you and your mortgage company allows you to pay past due amounts over a specified period of time, by adding it to your existing mortgage payment, to bring your mortgage up-to-date.

Here are your benefits!

• Solves your current payment problems.
• Back debt is current.
• Your credit score is damaged less than a foreclosure. (If reported by your mortgage company.)
• You stay in your home and avoid a short sale or foreclosure.

3. Forbearance

An agreement whereby your mortgage company agrees to reduce, or suspend, your mortgage payment for a specific time period.

Here are your benefits!

• You have time to resolve your financial issues.
• Your credit score is damaged less than a foreclosure. (If reported by your mortgage company.)
• You stay in your home and avoid a short sale or foreclosure.

4. Modification

An agreement whereby your mortgage company agrees to change the original terms of your mortgage. You can request reduction in payment, term of loan, and interest rate.

Here are your benefits!

• Your overall mortgage commitment is reduced to a more affordable level.
• Your credit score is damaged less than a foreclosure. (If reported by your mortgage company.)
• You stay in your home and avoid a short sale or foreclosure.

Please Note

You may also qualify for the government's 'Home Affordable Modification Program'. Please visit this site for more information.

• http://www.makinghomeaffordable.gov/modification_eligibility.html

5. Deed-For-Lease™

This option allows you to transfer ownership of your home to your mortgage company, known as a Deed-in-Lieu of Foreclosure. You are then released from your mortgage. You can then rent your home from your mortgage company for an agreed period of time.

Here are your benefits!

• You can rent at current market rates for 1 year. (Term extension is negotiable)
• You do not need to pay a security deposit to stay in your home under the new lease.
• You have time to begin repairing your credit history.
• You save on the cost of relocation.
• You may qualify for another home loan in as little as 2 years as compared to 7 if you went through foreclosure.

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Disclaimer: The company and agent are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.