How To Get Out From Being Upside Down

Everyone has been concerned about the economy and if you're falling behind on your mortgage payments, you are especially worried about the future.  You're worried about going through foreclosure and your credit rating going down the drain.  The value of your home is less than what you owe.  What do you do?

There is a way to get out from being upside down.  Here are a couple of tips to help you out:

  • The first step to take is to establish a positive mindset and believe that it's possible to make the situation better.  Most people who think that they're in over their heads believe that they don't have any options other than to let their home go into foreclosure. 
  • Once you've established a proactive and positive mindset, it's important to realize that you do have choices.

  • First, find an experienced professional that can help map out a plan with you to help sell your home or negotiate with the bank(s) for a loan modification or short sale. 

  • Next, gather all the paperwork necessary. Click on the Get Started button below for a list.
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.



    What Are My Options?

If you're facing foreclosure, it's important to know that there many options available to you.  Here are a few to consider:

  • Conventional Home Sale - If you have equity in your home, this may be the best option for you.  However, if you owe more than what your home is worth, a regular sale may not be feasible. 

  • Short Sale - This could be your best option, especially if you owe more than what your home is worth.

  • Refinance/Loan Modification - Due to recent acts like the Making Home Affordable plan announced by Congress, it may be possible to refinance your home or apply for a loan modification.
  • Negotiate a Forbearance - Your lender may agree to let you reduce your monthly payment or even delay your monthly mortgage payments for a short period of time.  You will have to provide proof of hardship to the lender.

  • Deed in Lieu of Foreclosure - This is a process in which you give away your property to the lender and the lender then turns around and sells off the property in order to retrieve a part or whole of the loan balance you owe.

  • Do Nothing - This really shouldn't be an option because as outlined above, there are other ways to get out from being upside down on your mortgage.  Doing nothing can do more damage than good.  We are here to help!  

    Get the help you need right now by filling out the form on this page and visit the "Get Started" page.

    If you find yourself in this situation of being upside down on your mortgage, fill out the form on this page and one of our specialists will contact you.

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