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FORECLOSURE DEFENSE

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Being in foreclosure is a serious burden, both mentally and financially.

Here at Willis & Associates we take fighting foreclosures extremely seriously.  


We have saved thousands of our clients homes from foreclosure and in the process brought them peace and stability.  We understand that making your mortgage payments on time is your number one priority. However, when family emergencies, reduced income or health issues arise, it can make honoring your monthly mortgage payments extremely difficult.


That's why Willis & Associates  and its partners have mastered foreclosure defense strategies that work!

Loss mitigation is a term used by banks that reference "hardship" programs. At Willis & Associates we know of every hardship program that the banks offer and how to win! If you are in an active foreclosure or about to be, its crucial you don't delay. Banks will not hesitate accelerating proceedings and auctioning off your home.

We specialize in these situations and consider ourselves the best at what we do.

If your intent is to keep the home and not let the banks win, then call us today!

After all, helping homeowners is what we do.

You may be able to make your payments more affordable. Act now to get the help you need!


 The lender may a right to invoke foreclosure based on the terms of your mortgage contract. 

Willis & Associates offers several loss mitigations options if you are having difficulty making your mortgage payments. Please be advised that if your loss mitigation application was previously declined because you did not meet certain eligibility requirements, but your circumstances have changed we still may be able to provide you with the assistance you need. This is for Pennsylvania residence only to take advantage of any of these loss mitigation options.


Chapter 13 Plan: An bankruptcy to reinstate a loan that is delinquent, by paying over a fixed period, the normal monthly payments plus a portion of the delinquency each month


Special Forbearance: A written executed agreement where the Lender agrees to suspend all payments or accept reduced payments for one or more months, and the borrower agrees to pay the total delinquency at the end of the specified period or enter into a repayment plan.


Loan Modification: A permanent change in one or more of the terms of a loan and typically includes re-amortization of the balance due.


Short Sale/Pre-Foreclosure Sale: An alternative to foreclosure that allows borrowers to settle the mortgage debt by selling their home even though the sale proceeds are less than the total indebtedness.


Cash for Keys A bank may offer $2,000 to $3,000 in a cash for keys agreement because the costs will add up much quicker if they go through a lengthy eviction.


Please visit www.westernpabankruptcy.com and click on "Mortgage Assistance" at the top of the page for instructions and tips for submitting a request for assistance application.


PLEASE CONTACT US

Call us today to learn more about your options and instructions for how to apply. To speed the process, it is important that you have your account number ready when you call.


(Phone): 1.855.733.9455

(Hours): Monday through Friday from 8:00am-8:00pm (Eastern Standard Time).

LOAN MODIFICATIONS


The benefits of a loan modification can be phenomenal. Here is a quick break down as to what a loan modification is and what a homeowner can come to expect.


Loan modifications are basically a refinance of your existing mortgage. So why not just refinance? A lot of homeowners don't qualify. Maybe their credits not great, or maybe they have no equity in the home.

Loan modifications help to lower the mortgage payment and interest rate even if you have bad credit or your home is under water, "negative equity". Some Loan Modifications offer principle reductions. If your home has negative equity, sometimes the bank will literally remove tens of thousands of dollars off the principle balance to help equate for the loss of equity.


Modifications are for those who need the following:


1. Lower interest rate.


2. Lower mortgage payment.


3.Help getting current on past due payments.


4.Help stopping a foreclosure.


5. Principle Reduction.


That's right. Loan Modifications can even stop foreclosures. Banks offer what is called a 'Loss Mitigation Review". Simply put, its a hardship review. If a homeowner has been through a hard time, the bank can offer a "loss mitigation" review and see if you qualify for help.


Overcome Denials


Willis & Associates  specializes in these exact situations.

The bank does not benefit by offering you help. So, they make the review process impossible to accomplish on your own. You have to remember the bank is in the business of profitability. If they offer you help, that means they will lose a lot of money. So, they work hard to find reasons why you

wouldn't qualify.


We are familiar with all the best modification programs and workout reviews. We have worked with every bank and know how to stay one step ahead at all times.



Have you been denied a previous modification? If so, we pride ourselves at being the best at getting around denials. There are hundreds of reasons why the bank will deny you. It's our job to avoid those denials by painting a perfect picture of you and your family. Showing them you are honest homeowners who went through a hard time and are just looking for a fresh start.


 

Please visit www.westernpabankruptcy.com and click on "Mortgage Assistance" at the top of the page for instructions and tips for submitting a request for assistance application.


PLEASE CONTACT US


Call us today to learn more about your options and instructions for how to apply. To speed the process, it is important that you have your account number ready when you call.


(Phone): 1.855.733.9455

(Hours): Monday through Friday from 8:00am-8:00pm (Eastern Standard Time).

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