When a mortgage loan is approved, the borrower signs a document that pledges the property as security for the loan. When the borrower defaults, the propery is placed in foreclosure.
We work with you and your lender to resolve your situation. Certification is your assurance that quality and ethical counseling will be provided. Whenever it is possible we will provide information to you free of any charge via the internet. If you need us to call you at your home, we cannot do so without your permission. We will call your home only after you have provided all information asked for on the feedback form. We have never lost a repayment plan proposal to HUD. You must be willing to work with us in our effort to prevent the sale of your home. In our desire to assist you it may require some expense on our part such as phone calls to your lender and to your home. This is why we require a $50.00 fee.