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. – http://www.swiftpage5.com/TheHomeSolution.Alan/SurveyNACASurvey5/Survey.aspx   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.  

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.  

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. Read More – Link to PDF – U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT  

A Homeownership Preservation Alliance-You and Us!

There are many alternatives which can preserve the right to homeownership now and maintain that right in the future. All mortgage an lender solutions should be explored by you along with a seasoned professional not on your lenders payroll. We will explain various options and legal or mortgage lender services to you that may not be disclosed by your mortgage lender or the entities that are funded by them to work your case. The lenders use “the law” to legally take your home away from you due to a breach of a mortgage contract. Our nonprofit law clinic wants you to know that there are CONSUMER PROTECTION laws. If you should have any questions, or need our legal services, feel free to contact our offices at (855) 622-2435. That may make it against both State and or Federal Law to proceed to foreclose on you once our Nonprofit Organization has submitted our ‘complete’ alternative to foreclosure package to your lender on your behalf. We have successfully had many lenders rescind (reverse) the Trustee Sale and put an already  foreclosed upon home back into clients name EVEN after they have vacated a Non-Owner Occupied Home.  

(C.H.A.M.P) Consumer Home Affordable Modification Program

When our nonprofit law clinic reviews the Consumer Home Affordable Modification Program (C.H.A.M.P) results with you that will properly structure your FREE Lender Specific loan proposal based on HAMP© like guidelines and provide you the required information that your lender will need to approve you for a HAMP© like modification then there will not be any cost or fee, our nonprofit law clinic simply wishes to have the opportunity to make you aware of other Consumer Protection products and services that you may need in the future, for example: Temporary Restraining Order against a foreclosing Lender, Consumer Representation of a Unlawful Detainer if you are getting evicted from your home, Lender Law Suits, filing a Lis Pendens on your property making it virtually impossible for your lender to sell your home, providing you with a Lender Fraud and Violation Analysis Report or Bankruptcy Protection. Hopefully you will never need any these Legal Services but if you or any one you know ever does, we would want you to come back to our nonprofit law clinic for such services. Our consultation and advice is free.  

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 forgiven 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.

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