We specialize in getting people out of foreclosure quickly. Our team includes real estate agents, attorneys, bankers, cash investors, and loss mitigators. We know how to get your lender to STOP your foreclosure fast. Possible solutions and outcomes could include: loan modifications, lowered interest rate(s), loan restructuring plans, forbearance agreements, deed in lieu of foreclosure, forgiven back payments, renting your home, filing bankruptcy, and/or lender Short Sale payoff.

The "lender Short Sale payoff" solution is for owners who can no longer afford to keep their mortgage payments current and do not want to go through foreclosure proceedings. When lenders agree to do a short sale, it means the bank(s) are willing to accept less than is owed on a property. Our Short Sale service is FREE to you. Your lender(s) cover all the costs involved.

Why avoid Foreclosure ? Foreclosure can ruin your credit for 7 to 10 years and will likely always have to be disclosed to future creditors. Also, your lender(s) could file deficiency judgment(s) against you within 2 years for the difference owed after they Foreclose and sell your home at auction. The deficiency judgment can include all the bank's expenses as well. Short Sales normally show "paid as agreed" on your credit report and deficiency judgments are not normally filed against you later after the Short Sale.

Also, in general, restructuring plans on a mortgage, whether in the form a forbearance, modification or short sale, have a relatively insignificant effect on your credit score. If a servicer reduces your loan amount from 10-to-30%, your credit score can actually increase by 3 to 18 points, depending upon your initial standing. The credit score increases because the total amount of debt owed is reduced, and the borrower becomes inherently more reliable. However, Foreclosure and Bankruptcy can more severely affect your credit score. If a borrower, who maintains good credit, is Foreclosed, his or her credit score can decrease by as much as 140 points. Bankruptcy for someone in good credit standing results in a reduction of about 365 points on average and a mark on the credit file for 7 to 10 years.

It does not matter how far behind you are, the size of your mortgage, your income, your credit history, if your lender(s) have already told you NO way, or if you have been unable to get help before. We have solutions, and we get results fast! We will talk with your lender, handle the paperwork, get an immediate stop to your foreclosure, then negotiate the best plan for you. We can save your home from foreclosure and eliminate any potential collections, but you must act quickly if you have missed (or are about to miss) any mortgage payments.

Call or email me TODAY to discuss your situation: George Kiefer 512-970-0709   GeorgeKiefer@gmail.com   I look forward to hearing from you. Contact me anytime including weekends and evenings.