Help for Homeowners
ARE YOU IN FORECLOSURE OR HAVING
TROUBLE PAYING YOUR MORTGAGE?
*MODIFY YOUR LOAN *STAY IN YOUR HOME,
*STOP THE FORECLOSURE *AVOID BANKRUPTCY
*KEEP YOUR HOME *SAVE THOUSANDS
CALL (800) 728-0365 FOR COMPLETE DETAILS SEVEN DAYS A WEEK!
* NOW WITH UP TO A $1,000 SAVINGS GUARANTEE - YOU SAVE RIGHT AWAY OR YOU DON'T PAY*
Se Habla Español
What can Help for Homeowners do for you?
You may apply to have your loan modified, payments temporarily lowered and foreclosure (if any) stopped and your payments restarted, very often at a much lower interest rate. Most past due amounts, if any are added to the end of your loan so you generally will make regular level payments for a set term. To qualify, your lender or servicer will likely require you to prepare and file financial income and expense statements, a hardship letter explaining why you are requesting assistance and why you fell behind, and to submit documents including paystubs, tax bills and W-2 forms in order to consider your request to modify your loan. We meet with you and prepare the financial statements with you based upon your particulars for a flat filing and preparation fee of $250.00 fee. If you wish, we can then submit these to your lender for you and provide copies to you. If needed, we can assist in obtaining any needed documents such as W-2 and tax forms, property tax bills and copies of insurance policies. We do not purchase homes or make any changes to your ownership. Beware of anyone offering to “buy” you out of foreclosure or who “guarantees” anything. We run your scenario through our own home loan qualifier software to estimate your eligibility, but the final decision rests with your lender/service.
Results Testimony: December, 2008 - one family who applied for the Help for Homeowners Program and was allowed to SKIP his December payment entirely, is also expecting a $2,100 property tax refund and when his payments resume in January, 2009 they will be HALF of what they were before applying for this program. Individual results will vary and there is NO CHARGE for the consultation, you simply pay if you wish to have us complete the documents for you.
Results Testimony: One family applied in November just weeks before their home was to be sold in December after the husband skipped out on Mom and the Children. They were able to re-start their mortgage at a much lower rate of 3% APR and will be able to celebrate Christmas in their home. Oh, did we mention SHE WAS NOT EVEN ON THE LOAN!!!
What else can you do for me?
Property Tax Savings & Homeowner’s Insurance Savings
In some cases, you might save even more when we review your property tax exemption history, at no additional charge, and make any corrections to your exemptions. For your Homeowners Insurance, a licensed agent can check your Declarations page for possible savings WITHOUT changing company, policy or term.
Results Testimony: One customer was shocked when we got her a $260 rebate on her homeowner's insurance and she did NOT have to change companies, policy numbers or deductible. She received confirmation directly from her insurer before leaving our office.
Results Testimony: One Customer who applied in November 2008 is expecting Property Tax Refunds of MORE THAN $5,000.00 as a result of the Help for Homeowners Program. - MERRY CHRISTMAS! Individual results will vary and there is NO CHARGE for the consultation, you simply pay if you wish to have us complete the documents for you.
Credit Repair & Restoration
In today’s tough credit market, Your Credit Rating is more important than ever. We can take a look at your report at no additional charge, and offer you our credit restoration services if we feel that may help your particular situation. You are under no obligation to purchase these services and may keep the free credit report for your records.
Spread the Word & Save Even More - Help Friends & Family Save!
Receive a $25.00 Visa Cash Card for your referrals. Contact us with their names then have your referrals contact us. 2-3 days after we help them, your Cash Cards will arrive in the mail.
Can't I do all this on my own?
Absolutely! However you should be aware that if the Financial Statements are not properly prepared, the lender may deny your request and if you are facing foreclosure, they may force a “short-sale” or foreclosure and ultimately remove you from your home. We know of at lease one family in the last year summer that did lose their home when the opted to try do to it on their own. Time is of the essence DO NOT WAIT, call now for your no obligation consultation.
Note: Lenders are generally not under any obligation to grant a loan modification and CTS offers no guarantee of acceptance of your request, however many lenders are openly offering this product to save homeowners and themselves. Time is of the essence and you must be aware of the status of your home’s case if it is indeed in foreclosure when you come see us. Our fee is for the consultation and preparation of the Financial Statements only. As a convenience, you may request we may fax or e-mail these to your lender/servicer for faster processing at no additional charge.
Call 1 (800) 728-0365 for more information seven days per week. Have the following documents available:
* Most Recent Mortgage Loan Statements
* 2nd Installment Tax Bill (Usually sent October/November each year for Cook County)
* Insurance Policy or Declarations Page (Showing Amounts of Coverage)
* Proof of Borrowers Income for Last 30 Days
* Income and Expense Worksheet Completed as Best You Can (Click Print it Here)
* $1,000 Savings / Foreclosure Guarantee. If we prequalify you for this program and you retain our services to prepare your packet, pay our fee and follow all given instructions and guidelines and you do not receive written confirmation from your Homeowner's Insurance Company, Mortgage Lender/Service and Property Taxing Authority showing that your foreclosure is being stopped (if applicable), or that you will enjoy savings of AT LEAST a $1,000.00 COMBINED savings during the 12 months following your application, we will promptly refund your fee upon your request, provided that you have allowed at least 90 days for these agencies to respond and completely process your request. If you file for Property Taxes only, the guaranteed savings amount is $500 and for insurance only it is $100.00, either way YOU save! Please allow 30-45 days for your lender to respond to your request.
Other helpful resources:
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