Get Started

In order to avoid foreclosure, you will be negotiating with the banks to work out terms for your short sale or loan modification. 

To get started, you will need to provide the following information:

Short Sale & Loan Modification Paperwork Checklist

1.  Hardship Letter - A letter that states the events and reasons why you are not able to make your mortgage payment any longer.  This letter should explain in detail how you got into financial trouble and it must convey the basic message that you can no longer make payments.  A few examples that do not constitute a hardship include bad purchase decisions, being unhappy with the neighbors, deciding to purchase another home, pregnancy, or deciding to move into another apartment. What does constitute hardship is unemployment, divorce, medical

    emergency, bankruptcy, or death?

    2.  Bank Statements - You will need to provide statements from all bank accounts (if any) from the last two months.

    3.  Financial Statement - A statement that shows all the income sources, savings, assets and expenses of the owner(s). We can help you with this.

    4.  W-2 Forms and/or Paycheck Stubs - Last 2 years W-2 forms from all of your jobs or sources of income.

    5.  Tax Returns - Last two years federal tax returns.

    6.  Insurance Claims Proof - If or when there is damage to the property subject to a pending claim.

    7.  Bankruptcy Letter or proof of bankruptcy proceedings (if filed).

    8.  Copies of all 401k, IRA, or other retirement accounts.

    9.  Proof of Divorce - Any document that proves you are divorced (if any).

    10. Proof of Disability - if you are presently or recently disabled.

    We can help you with this process.  Simply fill out the form on this page and one of our specialists will
    contact you. 

    Yes, it is possible to walk away from your home without any debt, but you have to take action and get the help you need.  For more information about the free loan modification or short sale process, contact us by filling out the form on this page or by calling us right away at 858-342-9292 x.103

    Why pay an attorney or loan officer $1000-$5000 when you can get a free loan modification or do a short sale with us. We will show you how, call us today to learn the secret.

Our service is free and will cost you nothing.


This is a free service. Any information you give us remains confidential.