MORTGAGE HARDSHIP AND FORECLOSURE ALTERNATIVES
If you are behind on your mortgage or concerned that you may fall behind, early action can preserve more options.
Judge Financial Service helps eligible consumers organize their financial information, understand potential alternatives, and prepare for conversations and applications involving their mortgage servicer.
Options may include:
• Reinstatement or repayment arrangements
• Temporary forbearance
• Loan-modification requests
• Available hardship programs
• Short-sale evaluation
• Deed in lieu of foreclosure
• Sale of the property through a separately licensed real estate professional
• Referral to an attorney, housing counselor, tax professional, or other appropriate resource
No particular option is available or suitable in every situation. Your lender or servicer makes the decision concerning changes to your loan.
IMPORTANT NOTICE
Judge Financial Service is not associated with the government, and our service is not approved by the government or your lender.
Even if you accept this offer and use our service, your lender may not agree to change your loan.
Do not stop making mortgage payments or communicating with your lender or servicer based solely on information from this website.
If anyone recommends that you stop making payments, understand that stopping payments could result in the loss of your home and damage to your credit rating.
Facts About Foreclosure
Foreclosure is a legal process in which the lender repossesses property held as collateral because the borrower defaults on the loan.
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How long does the foreclosure process take? It varies depending on the state's requirements.
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If I have multiple properties, could the lender come after my other properties? No, unless those properties were used as collateral for the same loan.
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How long could credit bureaus report a foreclosure? It may show on credit reports up to 7 years, which could have a drastic impact on securing other credit and possibly employment opportunities.
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Is foreclosure the best solution when you're overwhelmed by debt? No, we suggest you seek our less drastic alternative solutions to foreclosure.
How It Works
Our Easy 3 Step Process. Contact us today.
1
Consultation
We'll evaluate your financial concerns and address your questions.
2
Contract
We'll develop an action plan to resolve your financial concerns
3
Conclusion
We'll work to reach our ultimate goal which is resolving your financial concerns
30 min
50 US dollars
30 min
50 US dollars
30 min
50 US dollars
30 min
50 US dollars
Step 1: Schedule Your Consultation
Let's Get Started...
Upcoming Bootcamps
We look forward to seeing you soon!
JUDGE FINANCIAL ACADEMY
Judge Financial Academy offers self-paced courses for people who want to strengthen their financial knowledge on their own schedule.
Academy courses are educational products. Purchasing a course does not enroll the student in credit improvement, debt negotiation, credit counseling, or mortgage-assistance services.