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Company Practices Regarding Your Privacy We at TGG Group and our affiliated companies worldwide are committed to respecting your online privacy and recognize your need for appropriate protection and management of any information you share with us by using our web sites.
Information Collected by TGG Group
TGG Group collects various types of information from you which may include, but is not limited to, the following: Name, City, State, Address, Zip Code, Work Phone, Home Phone, Email Address, House Type, Current Value, Loan Amount Desired, 1st Mortgage Balance, Current Interest Rate, Current Payment, Are you Behind on Payments, Credit Rating, Place of Employment, Years Employed, Yearly Income, Loan Desired, and Best Time to Call. Non-Personally Identifiable Consumer Information TGG Group collects various types of information from you to better meet your needs and to provide you with a more relevant user experience. Some of this information is collected automatically through cookies (a small text file placed on your computer) or other Internet tracking technologies. The type of information your browser or Internet session may automatically provide us with can include the browser you are using, your Internet domain, the operating system on your computer, your IP address and the URL you saw just before coming to the TGG Group site, the pages of the site you visited and the URL of the page you visited upon leaving the site. TGG Group may also contract with reputable third-party advertising companies to serve ads on our behalf. These companies may also use cookies or other measures to collect your non-personally identifiable information.
Personally Identifiable Consumer Information In addition, at some of the TGG Group web sites, we collect information that you may choose to provide to us when requesting additional information from us or from one or more of our clients. Examples of personally identifiable data that you may provide to us include name, address, and email address. If you provide personally identifiable data to us, you may later elect to have your information deleted from our files, or kept from being used for purposes other than for the service requested, by following the opt-out procedures set forth below.
How Collected Information is Used The non-personally identifiable information that TGG Group collects is used for marketing and sales efforts to better target advertisements and other content in an effort to create a more personally relevant experience. The information is also used to predict responses to advertisements, and to help determine which ads perform best and which content is most appropriate for different individuals. If you elect to provide TGG Group with personally identifiable information, we may utilize such information for marketing purposes, and this use may result in follow-up communications from QuinStreet and from our clients. In addition, that information may be combined with information collected from other sources to assist with targeting ads to your preferences and behaviors, and for other TGG Group sales and marketing efforts.
In addition to any other use described in this Privacy Policy, we will make uses of data submitted by you that are described in our Terms of Use.
Sharing Information with Third Parties All personally identifiable information you provide is maintained in confidence by TGG Group . There are instances, however, in which your personally identifiable and non-personally identifiable information is shared with third parties, as described below. Your non-personally identifiable data may be shared with third-party partners of TGG Group on an anonymous basis. When you request information from TGG Group or one or more of our clients, we may transfer that information within TGG Group or route your information to our client(s), across borders and from your country or jurisdiction to other countries or jurisdictions around the world, so that they may provide the information on their product or service that you requested. We may also disclose information to a third party who provides substantially similar services as the original service about which you requested more information. In such situations, we will provide you with an opportunity to opt-out of such sharing. Please be aware that TGG Group is very careful in selecting companies with whom it does business. In addition to the above situations where your information may be shared with others, there is also the possibility that TGG Group , or part(s) of the company, may one day be purchased by, or merged with, another company. In the event of such transaction, the acquiring (or merging) company will have access to all collected personally identifiable information. Finally, TGG Group may share your information as necessary to comply with a court order or to cooperate with government and law enforcement officials.
Security
Wherever your personally identifiable information may be held within TGG Group or on its behalf, we intend to take reasonable and appropriate steps to protect the information you shared with us from unauthorized access or disclosure. Please note that while TGG Group will make every reasonable effort to protect your information, no transmission of data over the Internet is 100% secure.
Choice
Non-Personally Identifiable Consumer Information - Use of Cookies & Opting-Out Some of our web sites utilize cookies to collect information about your website activities and to recall the personal information you previously shared with us. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. Blocking cookies may result in a lower quality experience for you while you are visiting TGG Group web sites.
Personally Identifiable Consumer Information - Opting-Out You may choose whether or not to provide personally identifiable information to QuinStreet. If you choose to provide such information to TGG Group , you have the right to tell us not to make some of the uses of such information described herein or may have such information deleted in its entirety. If you no longer wish to receive our newsletters, surveys or promotional communications via email. To have your personal information completely removed from our databases, simply contact us at info@helpforhomeowners.com and provide the name of the service for which information was provided, your full name, mailing address, phone number and email address so that we may identify you in the opt-out process. Once we receive your instruction, we will promptly take corrective action.
Access/Accuracy
To the extent that you do provide us with personally identifiable information, TGG Group wishes to maintain the accuracy of this information. Where we collect personally identifiable information from you on the Web, our goal is to provide a means of contacting TGG Group should you need to update or correct that information. If for any reason those means are unavailable or inaccessible, you may send updates and corrections about your personally identifiable information to info@helpforhomeowners.com and we will make reasonable efforts to incorporate the changes in the information that we hold as soon as practicable.
Children's Privacy
In compliance with the Children's Online Privacy Protection Act (COPPA), TGG Group is not structured to attract children. Accordingly, we do not intend to collect personally identifiable information from anyone we know to be under 13 years of age.
Your Consent
By using this web site, you consent to the terms of our Online Privacy Policy and to TGG Group's processing of personally identifiable information for the purposes given above. Should the Online Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our web site for a reasonable period of time and by amending this privacy policy.

Foreclosure Refinance

  • Skip Monthly Payments
  • Payoff leins and taxes
  • Get Cash Out, Pay Debt
  • Low FHA Fixed Rates

Short Refinance

  • Credit not a factor
  • We lower your payoff
  • Gain Equity
  • Lower Monthy payments.

Free Consultations

  • No Application Cost
  • No Obligations
  • High Success Rate
  • Quick Results!

Short Sale

  • Potential cash at close
  • Stop collections
  • Save credit rating
  • Ability to buy again .
2008 Help For Home Owners .org          Contact Us - Privacy - Disclaimer - Loss Mitigation

Disclaimer :
We are not affiliated with HUD, FHA or with any other government agency whatsoever. We are not affiliated, nor associated with, any governmental programs that you may have read about or heard about on the news. We also do not have any affiliation with, nor any association with, any attorneys and/or loan modification companies that will actually assist you in the resolution of your individual situation. We will simply match you with some reputable companies that assist in the loan modification process. And you are under no obligation to use any of the companies that you are referred to. .

Perseverance And Discipline Can Prevent Foreclosure -

The United States has experienced a truly remarkable boom in the housing market over the last few years. Now that the market is undergoing a correction though, many families are in increased danger of losing their homes to foreclosure. While foreclosure may be a scary prospect, it's by no means inevitable if you're willing to allow us to work with your lending institution to come up with a solution that allows you to still make payments in the face of whatever kind of financial hardship you may have encountered.

Generally there are two types of things that your lender can do for you in order to help you through a tough spot so that you can keep your home and your credit score intact. In the short term, the lender can allow you to put off making payments or make payments at a reduced rate for a certain amount of time until you're back on your feet. This is a good tactic to use if you've been temporarily disabled by an injury or an illness. You will still have to pay a little more each month for a while afterward, but this process, which is called a forebearance, will allow you to recover from a mishap and keep your home. We can help stop foreclosure proceedings on your home.

There are also several different solutions to longer term financial problems. The most talked about solution is refinancing. When you refinance your mortgage it means that you get a new mortgage- often through a different lender- and use it to pay off your existing mortgage. This tactic has a number of benefits. For example, you may be able to get your new mortgage for a lower interest rate and possibly one that will stay stable over the course of the lifetime of the mortgage. Another benefit is that you might be able to get your existing lending institution to accept a payment that's less than the amount that you originally borrowed to pay off the mortgage. This effectively lessens the amount that you'll have to pay back! Don't lose your home to foreclosure, contact us for a free consultation today!

Another possibility is to modify your existing mortgage. With mortgage modification, we deal with your lender so that you and your lender can agree to a lower interest rate or a longer payback period. It's a lot like refinancing, but without having to get another lender involved.

The least favorable possibility, but one that's better than foreclosure, is to sell your house. If you really can't make the payments, and probably won't be able to make the payments for the foreseeable future even with refinancing or mortgage modification, we can ask your lender to suspend payments while you're actively trying to sell your house. Once the house is sold, the proceeds of the sale are used to pay off the lender. This is a much more satisfactory situation for the lender than foreclosure because the lender is likely to get more money out of it, and it's a better situation for you because your credit and dignity are preserved.

Regardless of the nature of your money problems there are a few things that you need to do. First, you should contact us and tell us about your situation as soon as possible. The next thing that you should do is start to cut out unnecessary expenses.

Cutting your spending is extremely important when it comes to showing your lender that you're serious about doing your part to keep your home. A lender will be much less likely to let you skip payments or give you a lower interest rate if it sees that you're continuing to spend money on cable TV, expensive restaurants, and luxury cars.

Perseverance and discipline are the keys to keeping your home away from foreclosure. Call our toll free number today and let Home Assure help you save your home from foreclosure. Request a free foreclosure consultation now!

 

What Is Foreclosure?

Mortgage foreclosure is the process a bank or mortgage company uses to take back ownership of real estate when the homeowner hasn't complied with the mortgage agreement. Most often, that simply means that the homeowner couldn't keep up the mortgage payments.


The foreclosure process may differ depending upon your state. Generally, the downward spiral into foreclosure begins when your loan payment becomes 16 days overdue. At that point, your mortgage lender may try to contact you to work out a repayment schedule to bring your loan current. If your mortgage payment becomes 30 days late and the next month's payment looks suspect, the collection calls will come on a regular basis. If your payments fall 90 days behind, the mortgage company will likely refer your mortgage to an attorney that will start formal foreclosure proceedings.

Again, the foreclosure process varies by state, and the best source of information about how the foreclosure process might proceed in your case is a local attorney. Generally, the lender must serve a notice of default on the homeowner after a certain time period from when the payment becomes past due. This time period varies by state. The notice will give the homeowner a time period and an amount necessary to be paid in order to "cure" the default and avoid foreclosure. If the homeowners cannot pay the delinquency and costs of foreclosure within this time, then the lender will set a foreclosure sale date. The lender will then sell the property at public auction. If the sale price isn't enough to cover the outstanding debt and costs associated with the sale, the mortgage lender can and probably will pursue a deficiency judgment-a court order requiring you to pay the remaining balance to the lender.

The property may be "redeemed" by the homeowner by paying all delinquencies and costs, up to the time of sale and in some states, for a period after sale. This redemption period varies by state. The law in most states gives the homeowner every opportunity to stop the foreclosure process. As a matter of fact, homeowners have options right up to the minute that the auctioneer's gavel comes down.

Some of the most common options include refinancing to roll in past-due payments and "start fresh" with your mortgage debt, a debt workout plan, or Chapter 13 bankruptcy.  Refinancing is usually not an option since mortgage companies will generally not lend to someone that is currently delinquent on their mortgage payments.  Many people facing foreclosure find that Chapter 13 bankruptcy removes the immediate threat of foreclosure and allows them to catch up past due mortgage payments over time. If you're facing foreclosure, use this website to learn about your options, and then contact us for a FREE CONSULTATION so that we can help you determine the next steps toward saving your home.

 

Foreclosure Options

Most people facing foreclosure are most concerned about saving their homes. If your primary goal is to stop foreclosure in order to keep your house, then you'll most likely want to consider Foreclosure Mitigation Services which usually result in a restructuring of your current delinquency.  Other options may include refinancing or Chapter 13 bankruptcy.   However, if you know that you can't afford to keep your house and you are looking for a way to avoid a deficiency judgment and minimize damage to your credit, other options to stop foreclosure are available.   We will gladly give you a FREE CONSULTATION where we can assess your options.  If we can't help you, we will let you know right away and point you in the right direction.

Facing mortgage foreclosure is scary, and it can be hard to make informed decisions to stop foreclosure when under pressure. Make sure that you understand all of your options to stop foreclosure, which may include:

  • Restructuring Your Delinquency (Mitigation)
  • Turning over the Deed in Lieu of Foreclosure;
  • Selling the Property; and
  • Surrendering the Property in Chapter 7 Bankruptcy.

Learn more about these options to stop foreclosure, and be sure to carefully consider which is best for you and your family.
 

Restructuring Your Delinquency

This is our specialty and the most desired strategy if you would like to stay in your home and protect your credit.  Our Foreclosure Experts have over 30 years combined experience in dealing with the Collection/Foreclosure Departments of most lenders.  In order for you to be able to qualify for this option, you must be able to afford your mortgage.  In other words, your current income must be sufficient to meet your financial obligations.  If your delinquency was caused by a one-time event like illness, loss of job or financial mismanagement, this my be your best option. 

Deed in Lieu of Foreclosure

May Be an Option to Stop Foreclosure.  If you're sure that you can't afford to keep your house, you may be able to reach an agreement with the mortgage holder whereby you simply give it back and stop foreclosure. The mortgage holder would agree to accept the deed as full settlement and cancel the remainder of your debt.  We can help negotiate this option on your behalf.

Whether or not this is a good option to stop foreclosure for you depends upon your equity in the house, the amount of outstanding debt, and what other options are available to you. Of course, the mortgage holder won't always be willing to enter into such an agreement, but if there is little likelihood that you'll be able to pay a deficiency judgment, the lender may decide that it's better to avoid the costs of a foreclosure proceeding, stop foreclosure and accept the deed as full settlement.


Sell the Property to Stop Foreclosure!

If you have significant equity in your house, selling it is a good option because it may allow you to stop foreclosure and walk away with money in your pocket. Where equity is limited (or non-existent), it can be difficult to sell the property because of the need to cover the mortgage and the other associated costs of a sale. This is especially true if you're working with a realtor, since you'll have to cover a commission as well.

In some cases, the mortgage holder may agree to a short sale. That means the lender will agree to accept less than the full amount of the mortgage. This allows you to stop foreclosure and avoid a deficiency judgment, while the lender recovers the bulk of the amount due without having to pursue foreclosure proceedings.  Once again... we can help negotiate a Short Sale for you that will bring you the most value.


Surrender the Property in Chapter 7 Bankruptcy & Stop Foreclosure!

Unlike Chapter 13 bankruptcy, Chapter 7 bankruptcy does not provide a means to save your house from foreclosure. The automatic stay entered in most bankruptcy cases will stop foreclosure proceedings, but the Chapter 7 process does not provide a mechanism by which you can catch up on your past-due payments and keep your home.

However, if you've been unable to work out an alternative and you know that you cannot afford to keep your house, Chapter 7 bankruptcy has some advantages. First, the automatic stay will temporarily stop foreclosure proceedings, giving you time to make necessary arrangements. Second, a Chapter 7 bankruptcy will eliminate most of your unsecured debt (credit card debt, outstanding medical bills, etc.), so that you may be more able to meet your regular living expenses. Finally-and perhaps most importantly-Chapter 7 bankruptcy can eliminate any deficiency judgment, so that you don't end up losing your house and still making payments to the lender.




A Foreclosure Expert Can Help You Determine Which of These Options Makes Sense

Ready to learn more about these other options to stop foreclosure?  If you’re wondering whether any of these options can help you stop foreclosure, please complete the request for a FREE CONSULTATION and an Expert will call you right back.

 

Let Us Negotiate With Your Lender For You

The single-most important factor in stopping foreclosure is SPEED

Time is not your friend... You don't have a lot of time. Our counselors know exactly what to do and will work diligently with your lender and provide you with all options that are available for your situation to Stop Your Foreclosure Quickly!

Here are some of the basic options available to you when you work with us:

  • Restructure (Most Popular Alternative) - We can negotiate with your lender to get your loan in good standing again. This can be accomplished through a separate payment plan for your delinquency or even adding the delinquency to the end of your loan.   Sometimes we can even lower your monthly payment!
  • Reinstatement - Pay your lender(s) all of your past due payments to bring your mortgage current. This option is rarely feasible.
  • Refinance - We have established relationships with very reputable lenders who can give loans on mortgages that are in foreclosure if there is enough equity in your property available.
  • Sell Your Home - You may simply sell your home before the Foreclosure Sale Date. Sometimes the home owner is unable to sell the home outright at the desired sale price and this is not an option.
  • Short Sale - We may be able to negotiate a Short Sale on your behalf with your lender(s). In this instance the lender may take less than what you owe on the loan to avoid a lengthy and costly foreclosure process.
  • Deed-in-lieu of Foreclosure - We can arrange for you to simply give the home back to the lender and walk away with a clean slate.
  • Bankruptcy - This is a last resort. This will only save your home temporarily. If you miss one payment during this process the lender will put you right back into foreclosure.
  • Foreclosure - You may elect to allow the home to be entered into mortgage foreclosure. This is the most damaging to you. The lender will take your home and all of your equity. If there is no equity, your lender may get a deficiency judgment against you and come after you to repay the shortage or “deficiency”. This is the most damaging to your credit and your ability to acquire another home loan.

What Happens During Your Free Consultation?

Questions... Questions... Questions...

During your FREE Consultation we will be asking you a series of questions concerning your any or all of the following:

  • Your Delinquency - We may ask you specific questions concerning the amount you owe, how may months past due you are, who your lender is, how many mortgages you have on your property, etc.
  • Income & Employement - We may ask you questions regarding your employement status and income levels. This will be important in determining which plans (if any at all) may be suitable for you.
  • Financial Obligations - We may also ask you questions regarding your financial obligations. This information is also important in helping us determine which options (if any) are suitable for your situation. Help For Homeowners

After your initial consultation, we should have a clear feel for where you stand and if we think we can help you. You can rest-assured that we will be honest with you regarding your situation. We will NOT waste your time or give you false hope as we understand how stressful this situation already is for you. Please take a look at our Guarantee for more information.

Time is the most critical factor here.  With every day that passes, our options become limited or more complex.  Every day makes a difference.  Don't hesitate another minute!  

- Help For Homeowners

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