are you worried about falling behind

on your mortgage?


stop foreclosure!  we can help!



LEARN IF YOU QUALIFY FOR FEDERAL PROGRAMS

Do you need to stop foreclosure?  Are you behind on your mortgage payments?  Are you looking for a loan modification to lower your monthly payments?  The experts at HP Realty can offer help and free advice.  There are many programs available to help homeowners in financial trouble but banks don't want you to know!



WHAT TO EXPECT WHEN YOU CALL

We have been getting a lot of calls from previous clients about their options due to the COVID-19 Pandemic.  A lot of people are out of jobs or on furlough and not able to afford the monthly mortgage payments.  People are calling the banks and asking about loan deferment or forbearance options but not having much luck with the banks themselves.  We don't take no for an answer!  We keep fighting with your lender to come up with an affordable solution!  


When you call us, you’ll be asked about your situation and what circumstances caused you to fall behind.  You’ll discuss your household bills and a plan of action to get your mortgage back to current status.  If you are current, but are struggling with your payment each month, you may qualify for a new payment plan or reduce your payments through a mortgage modification.  When you call, have a recent mortgage statement or loan number ready and we will look for programs to get you back on track.



THE COST OF DOING NOTHING

If you continue to fall behind on the your payments, the payment needed to catch up payments can balloon out of control. According to most mortgage contracts, if you fall behind on the mortgage by 3 months, the lender accelerates your mortgage. That means they send the file to their attorney and begin the process of foreclosure. Once the file reaches their attorney, the amount you owe to catch up increases by the amount of their attorneys fees (typically thousands of dollars), late fees and other charges. You will receive collection notices, phone calls, and notices from the court, until you find a solution.  Banks have attorneys on their side.  Shouldn't you have a team of experts on your side?



CAN YOU TRUST HP REALTY FOR HELP?

We have helped hundreds of homeowners save their home and get out of financial distress.  We help fight for your rights and don't take no for an answer!  Our team consists of real estate brokers and attorneys who specialize in foreclosure assistance.  References can be provided upon request.



DISCLAIMER:  Prior results do not guarantee future outcomes.  We are not affiliated with the government or any mortgage lender.  We are an independent third party company who negotiates loss mitigation alternatives on your behalf with your lender.