1.  If you are facing financial challenges with making your mortgage payments and you want to “save your house”, help is available.  Try and make use of the following resources:

FREE FORECLOSURE PREVENTION HELP AVAILABLE AT LOCAL NONPROFIT AGENCIES:

Troubled borrowers looking for FREE Foreclosure Prevention Counseling, as well as information about the Obama administration’s mortgage modification and refinancing programs, can contact a local HUD-Approved Housing Counseling Agency, to apply for help in working with their mortgage servicer. Borrowers can also check to see if they qualify for a loan modification and refinance under the Obama plan and apply online at http://www.makinghomeaffordable.org/ for help from their mortgage servicer.  Visit the Orange County Home Ownership Preservation Collaborative for a list of local housing counseling resources and events at http://www.ochopc.org/ or the U.S. Dept. of Housing and Urban Development’s website at http://www.hud.gov/.  Local Orange County HUD-Approved Agencies include three of OCAR’s Community Partners: the Fair Housing Council of Orange County http://www.fairhousingoc.org/, Neighborhood Housing Services of Orange County http://www.nhsoc.org/, and Consumer Credit Counseling Services of Orange County http://www.cccsoc.org/. 

“HOPE NOW” APPLICATIONS AVAILABLE ONLINE:
 
Troubled borrowers hoping to participate in the Obama administration’s mortgage modification and refinancing programs now can apply online for help from their mortgage servicer.  Borrowers can submit details about their financial situation at http://www.hopenow.com/, the website operated by the coalition of mortgage servicers and nonprofit counselors.  For more information, please visit the website or call (888) 995-4673.   

2.  If you have sought help from the above agencies or resources, and your problems are still not resolved; or if you have gotten a loan modification but are falling back to delinquency again; or if you have filed for bankruptcy but are getting “kicked out of” bankruptcy court and trustee sale is imminent; then you don't have a single minute to lose!  Send me an email or call me right away, and I will see if I can help.

3.  On the other hand, if you are not distressed but are looking to buy distressed properties, then send me an email and describe the relevant parameters, such as type of property, dollar amount, time frame, etc., and I will notify you when suitable opportunities become available.