Debt Consolidation & Credit Counseling Services from STARTOVERTODAY.COM


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FORECLOSURE ALTERNATIVES:
If you have found yourself in a financial situation in which you are struggling to make your monthly mortgage payments, have unfavorable loan terms, or may be in jeopardy of losing your home due to missed payments, we can help!

STARTOVERTODAY.COM provides a variety of Foreclosure Alternative Programs for qualified home owners! By utilizing our strong relationships with lenders and extensive experience and knowledge of current laws and regulations, we can help you find the right long term financial solution for you and your home.

There are several factors that could qualify you for a foreclosure alternative program:

Financial Hardship

Loss or reduction of income
Increase in expenses
Divorce
Illness / Injury

Your Current Mortgage

Adjustable Rate Mortgage – Rate/Payment has or will adjust upward
Negative Amortization / Option Loan – an unaffordable payment is required to cover interest due
Interest Only Loans – Interest only period has or will expire causing an increase in payment
Balloon Mortgage – Full balance of the loan will be due within five years and you are unable to qualify for a refinance

Unable to Refinance

Your home's value is less than what you currently owe
Your credit score is lower than Lender guidelines allow
You have no savings or used your savings to make payments
Payments to your mortgage or creditors have become delinquent

How the Process Works:
The process starts with an initial consultation with a STARTOVERTODAY.COM Financial Strategist. We will discuss your specific hardship and what type of Foreclosure Alternative Program would most benefit your situation. This initial consultation will give us direction and let us know what options are available to you.

We will then analyze and process documentation that is essential to support different foreclosure alternative requests. With all documentation and information gathered, we will prepare a custom program package which will include a computer modeled cost analysis that shows the lender' potential loss if foreclosure is not avoided.

After submission of your package, our team will go to work obtaining an affordable and worthwhile alternative for both you and the lender. You should know that this process could take several weeks. Any proposal by your lender will be discussed with you for final approval. Even though we can’t guarantee a successful outcome, we are confident in our ability to help you obtain the best possible solution.

It’s important to know that, often times, you only have one shot at a successful obtaining the best alternative possible so selecting the right company to represent you is critical.

The STARTOVERTODAY.COM Difference:
Unlike many companies in this rapidly expanding industry, our clients are our highest priority, and have been since our inception in 2002. Therefore, we only align our company, and in turn our clients, with companies that share our vision, and passion for helping our clients. We have recently created a alliances with the BEST service providers in the industry. Check out a few of the reasons why togehter we are second to none!

LEGAL
Your case will always be handled by someone that is licensed by the DRE and operates under an approved DRE contract to represent you in a such endeavors. Any company that accepts any monies without an approved contract with the DRE is operating illegally.

REPUTATION
Our pursuit of excellence has been rewarded with a perfect record with the BBB, which should give you confidence that you are working with a company that you can trust. Additionally, our reputation and size has enabled us to employ some of the industry’s top service providers who will substantially increase your chance for better results. And with our reputation of excellence with lenders, we are able to achieve priority status, which gives us an edge with lender's mitigation departments and streamlines these types of processes.

LENDER KNOWLEDGE
Having a company that knows how to represent you is one thing, but it is just as important to know what the lender is looking for. We know how to communicate with your lender in the way your lender expects. Additionally, we know what is important to convince them of the mutual benefits.