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Are you making the best choice for your future by going through with a loan modification? Most homeowners don’t realize the negative impact a loan modification can have on them now and in the future. We often hear homeowners saying they have completed more than one loan modification application because...

Is Bankruptcy a Good Way to Avoid Foreclosure? Many people think that bankruptcy is a good way to avoid foreclosure. However, this isn’t really true. A bankruptcy actually doesn’t forgive mortgage debt. There are two common bankruptcies used by homeowners. Most homeowners file bankruptcy through Chapter...

We saw these a lot during the Covid. Many people got a forbearance in their payments because they lost their job or got sick. As the forbearance came due, our clients told us they didn’t know the forbearance would be due in a lump sum. They thought they could pay it back later or over time. This...