Short Sales A short sale is a sale of real estate in which the proceeds from the sale fall short of the balance owed on a loan secured by the property sold.

CHARM or Legal Liquidation Consumer Home Affordable Restructured Mortgage (CHARM) allows a homeowner who has an existing Note Holder...

Mortgage and Real Estate Services

Our nonprofit law clinic benefits from both volunteer and paid real estate, mortgage, loss mitigation, law professionals as well as private equity fund investors who all work collaboratively to help you keep your right of homeownership.

HomeSaver ReStart Program

Nonprofit Organization can purchase ANY home, including the one you presently live in and LEGALLY resell right back to you with a Lease/Rent with Purchase Option contract and give you “up to“ 6 years to qualify and Execute the Purchase option at the preset Value agreed up on by you.

  • Short Sale your home thru a Nonprofit without moving out and lease/rent back with a first right of refusal to repurchase the same property at market value when eligible.
  • Bankruptcy , Foreclosure and Short Sale Consumers can buy a Home today.
  • Buy your own home back at market value today from the same lender who foreclosed on you.
  • Same neighborhood, same School district and same community, or UPGRADE!

Click here to prequalify.



 The homeowner's property may be "underwater" in its value. This means the value of the property is far less than the amount owed on the property. The homeowner may even be current in their payments, yet wondering if they should continue to try and regain the loss of equity. In these instances, homeowners are referred to a legal profession to evaluate their alternatives. If Liquidation is the preferred avenue of problem resolution, the Legal Professionals will work with the homeowner and the lender to expedite the disposition of the property. Liquidation could avoid typical negative ramifications associated with a short sale Like a deficiency judgment, 1099 tax consequence and or elimination of all negative credit.

Revisions to FHA’s Loss Mitigation Home Retention Options

This Mortgagee Letter includes revised requirements for FHA’s Loss Mitigation Home Retention Options, in an effort to reduce the number of full claims against the FHA Mutual Mortgage Insurance Fund by assisting a greater number of qualified, distressed mortgagors in retaining their homes.

No later than 90 days after issuance of this Mortgagee Letter, mortgagees must begin to assess mortgagors in default under FHA’s loss mitigation priority order and policies referenced herein.

Homeowner Upgrade Repurchases

Real Estate Professionals that work closely with a Legal Professional and identify FRAUD, mistakes and or violations in mortgage loans allow the Real Estate Professional and the Legal Professional to reverse a homeowners current negative equity situation on a over encumbered home to be invalidated, voided thru "rescission" allowing the homeowner to immediately purchase a "UPGRADE" home for far less than what was owed on the smaller home with current low 30 year fixed financing creating long term sustainability as well as the improvement of consumers lifestyle.