1.  REINSTATE THE LOAN- Have or borrow enough money to pay all past due payments, penalties, and costs. I am a Real Estate Broker and can help you obtain a 2nd or 3rd loan, using the equity from your home to catch you up. 2.  REFINANCE THE LOAN - Find another lender, borrow enough money to pay the entire loan balance including past due payments, penalties and costs. Again, I am a Broker and can help you find a new lender. 3.  SELL THE HOUSE -  Endless options:  sell all, sell half, sell options, find a partner, equity share.  Many options. I am not only a Broker but also a Real Estate Investor.  I can make you an offer on your home, or list it for sale and put it on the MLS (I also discount my commissions and offer buyers agents cash/incentives so your home is sold first), or help you find creative ways to get your house sold. 4.  LEGAL ACTION -  If you feel you have been defrauded or they have unlawfully filed a notice of default you may be able to work with an attorney. I work with a paralegal that is very knowledgeable in the law and offers free advice. 5.  BANKRUPTCY -  Stops the foreclosure process until the bankruptcy is concluded, or until you miss a payment.  Basically, you pay all existing monthly bills plus additional monies to catch up arrearages over 2 or more years. 6.  FORBEARANCE AGREEMENT -  Negotiate with the bank to catch up all missed payments, fees and etc, either monthly or at the end of the loan.  Usually only works if you can now prove you are financially able to make the payments. I have all of the forms necessary in order to negotiate with the bank.  Also, the banks usually prefer dealing with neutral third parties.  No charge to you if an agreement is not reached. 7.  ALLOW FORECLOSURE TO CONCLUDE -  The house will go to auction.  If there is an overbid, that amount will first go to junior lien holders (2nd or 3rd if any) with the remaining balance then going to you.  If there is an underbid you will not be charged the amount not recovered by the bank.  However, a Foreclosure is on your credit rather than just a notice of default. Instead of allowing it to go to sale, I take over ownership and the financial responsibility of homes with no other options.  I then deal with the foreclosure and banks myself, you have legally sold 100% of your home to me.  You have no further liability and also minimize negative credit.

Call Me For More Information: MICHELE REID 760-715-9425

SK DABY, LLC.