STOP FORECLOSURE NOW !
Dear Homeowner,
Are you behind on your mortgage payment and facing foreclosure due to ...
-Rising interest rates?
-Financial distress?
-Job loss?
-Medical bills?
-Divorce?
-The unexpected death of a loved one?
If you are two, three, four, five, SIX OR SEVEN months behind on your mortgage, I can teach you how to stop foreclosure fast!
If you are experiencing financial hardship,unable to make your mortgage payments, and currently living in your home; we will teach you how to suspend your mortgage payments for 12 months.
At Sirius Homes, we have designed a step-by-step instructional guide to help you negotiate with your mortgage lender and save your home.
DO NOT make the decision to use a foreclosure specialist, refinance, or file bankruptcy until you have read our guide.
In Pre-Foreclosure?
1. I need temporary help! How do I put my mortgage payments on hold for a few months?--Page 1
A forbearance may reduce your payments or suspend them for a period of time, depending on your situation. If you have a FHA loan, you may qualify for a special forbearance. That may delay your payments up to ... For more information go to page 1.
2. Do I qualify for a reverse mortgage?--Page 1
To qualify for a reverse mortgage, the borrower must be at least 62 years of age. There are no minimum income or credit requirements. You convert your equity into...For more information go to page 1.
3. Should you turn your ARM into a Fixed rate? -- Page 4
How long do you plan to stay in your home? If you have an adjustable rate mortgage and you think you'll move in two years or less, you should probably stay with the ARM rate. If you plan on staying longer than 2 years...For more information go to page 4.
4. In the Military?--Page 5
If you had a mortgage as a civilian and then later entered the military, you may be entitled to "Military Indulgence" granted under the Servicemembers Civil Relief Act of 2003....For more information go to page 5.
5. I have a FHA loan, what options do I have?--Page 5
Wow,you have plenty of options! First consider a partial claim. A partial claim can allow you to instantly bring your loan current and stop any foreclosure action if you have a FHA loan. Working together with The Department of Housing and Urban Development (HUD), your lender may agree to help you with a one-time payment from the FHA Insurance Fund. You may qualify if your loan is...For more information go to page 5.
In Foreclosure?
1. Redemption period -- Page 3
After foreclosure has taken place, some states have a redemption period—a period of time established by state law during which a property owner has the right to redeem (buy back) his or her property from a forced, public foreclosure sale. For more information go to page 3.
2. Predatory Lenders -- Page 6
The goal for predatory lenders is not to receive the excessive payments you make -- it’s the hope that you DON’T make the payment so they can take your home. Signs that you lender is a predatory lender...For more information go to page 6.
3. Should I file bankruptcy?--Page 17
Bankruptcy is not a definite solution. Bankruptcy is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of bankruptcy court. Bankruptcies can generally be described as “liquidation” or “reorganization”. If you want to wipe out your debt consider Chapter...For more information go to page 17.
4. What's the difference between a deed-in-lieu of foreclosure and walking away from it all?--Page 17
The deed in lieu of foreclosure offers several advantages to both the borrower and the lender.You may be able to voluntarily “give back” your property to your lender in exchange for ...For more in formation go to page 17.
5. I'm not comfortable talking with my lender, can anyone else help me?--Page 18
There are many housing counselors that specialize in foreclosures that will speak to your mortgage lender on your behalf and help you for free. For a list of three housing agencies in your area, call (800)...For more information go to page 18.
Need Foreclosure Help? Order and download now to prevent foreclosure.
Do you have a neighbor, friend, or family member that is facing foreclosure, if so purchase & download this guide for them !
Our step-by-step guide will empower you and help you to identify solutions that will save your property, repair your credit, and recession proof your life. We will help you avoid foreclosure and embarrassment.
This year thousands of Americans will lose their homes and destroy their credit due to foreclosure. Don't let this happen to you!
If you are in a panic, stressed or overwhelmed, we can help you ! Order and download your foreclosure prevention guide today for only $9.95 !
*THERE IS LIGHT AT THE END OF THE TUNNEL*
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