Do you qualify?

The data in this self-test is not retained by us and you do not need to provide an email address to view your results.
Congratulations! Despite the difficulties that many are having in the current economic downturn and the record numbers of mortgage defaults, you have continued to be able to make your monthly mortgage payments.
From your answers, it seems like you may be looking for a better mortgage deal. Here are some possible options:
  • Loan modification: Negotiate a better deal with your existing lender or engage somebody to do this on your behalf.
  • Refinancing: Negotiate a better deal with a new lender or engage a broker to do this on your behalf.
It hasn't been easy for most of us, as we have been required to work hard, make difficult economic choices, and struggled to pay our bills. Wouldn't it be nice if we too could be rewarded. In many cases, the answer is "YES"!
  • Purchase an additional property: If you have good credit and are able to qualify to purchase an additional property (at a discount price), contact us and we can show you how to create a "win-win" opportunity!
  • Help a friend: If you have a friend who cannot afford their monthly mortgage payments, there are ways that you can help that would be profitable for you.
Contact Us on 1-888-RE Help 9
Disclaimer
[SCORE (won't be visible) 60 In control, no distress, good prospects, looking for better deal]

Preliminarily, it appears that a loan modification may be the best option for your situation. This is because it appears you have fewer risk factors that might affect your ability to keep your home.
However, we strongly recommend you undergo a thorough assessment of your situation to help you determine what is the best plan of action for you. By getting a free assessment, you will quickly learn what to do for your situation and be able to identify the companies who are best able to help you meet your specific objectives at the price you can afford. (How does free sound?)

Loan Modification

  • Loan modifications are ideally suited to property owners that have experienced temporary hardships that have been resolved, or when their hardship is primarily due to increased payments on a variable rate loan.
  • Loan modifications are ideal for owners that would be able to afford the payments if the interest rate is reduced, the number payments are extended (for example, to a 40-year term), or forgiveness of interest on missed payments is provided.
  • In addition, loan modification may also be a viable solution even if credit cards or other debts are the primary cause of financial distress. The solution is to find the appropriate debt reduction specialist with the ability to assist you with debts on your property and your credit cards.
Many use loan modifications to reduce monthly payments because their property values have fallen. While lenders may be willing to reduce the payment, owners should be aware that loan modifications will not result in a meaningful reduction in the principal balance. To reduce the principal balance, a short sale transaction would be required.

Assuming a loan modification is right for you, the next step is to get the process started. Many ask us how to best obtain a loan modification? Obviously, what's most important is to find the company that will do precisely what you need -- no more or no less -- and do it at the best possible price. Identifying who is the right company for you depends on your individual situation.

Did you know that the loan modification services can differ significantly from company to company?
  • Some loan modification companies want to perform loan audits, file lawsuits, or use bankruptcy as a part of the negotiating process. These strategies are not wrong or bad in the proper circumstances, but if they are misused, they can actually hurt the negotiating process. Attorneys can charge more money when lawsuits are being filed, so you want to be sure that the attorneys do not place their interests before your interests. Also, the price they charge assumes a course of action that might not be appropriate for you. The most important thing is to hire a company having a strategy that matches your requirements, for your individual circumstances.
  • Some companies charge very competitive fees, and merely submit an application to the lender, with little or no follow-up. They may get a response from the lender, but it might not reflect the amount of reduction that you need.
  • Even worse, some companies collect a minimal fee and do nothing on your behalf.
  • Fees can range from $500 to $3500 to get started. While saving money is important, don't put too much hope in the lowest priced companies.
  • Success rates of companies can vary, but the overall approval rates of most companies is less than 50%. Unfortunately, many will not tell you the truth if you ask about their success rate. They might claim a 98% success rate, but that means they get reduced payment offers 98% of the time -- it does not guarantee that the owner can afford the reduced payment amount or that the loan modification company fought on your behalf to get you the lowest possible payment.
  • For those property owners who are able to obtain a loan modification, many (about half) have difficulty making the modified payments. This is because homeowners are pressured to accept the lender's first offer even if it is not affordable.
  • The federal government's loan modification programs also have a very low success rate.
Do not be fooled into believing that a loan modification is a "sure thing" or "the best way to go". In the right circumstances, they are a great way to obtain a lower interest rate and payment (temporarily), or to obtain forgiveness of missed payments. It is also important that you understand that loan modifications are being pursued by many, even when better alternatives exist.

For example, if the owner owes more than their property is worth, or if the owner cannot afford the monthly payments, even if reduced, they should strongly consider selling their property to prevent further damage to their credit rating. While this may be a difficult decision to make, for many it is a better and wiser choice to sell now, fix their credit, and then be ready to buy again. Homeowners can create an opportunity to buy a different house in the near future by limiting the damage to their credit rating. Because prices are declining at unprecedented rates, opportunities are being created to buy an even better home at a price that is lower than their current home.

Homeowners may be creating a trap for themselves by trying to keep a home they cannot afford. The monthly payments create an "imbalance" in their family budget, resulting in stress and other difficulties. Many families have fond memories of their home. The good news is that they can more fond memories in a different home after correcting the "imbalance" in the family budget.

Imagine paying 45%, 50%, 60%, or more of your family's income on a mortgage payment that will last 30 or 40 years. What a nightmare! Alternatively, imagine selling this house, and buying a comparable property in the same neighborhood, but only spending 25% to 40% of your family's income on the monthly payments. By making the difficult decision now to rid yourself of this burden, and working to manage your credit rating, it is feasible that you can complete the transition towards having a more balanced family budget, free of this burdensome debt!

Credit ratings are an important area that needs to be considered by homeowners. This is equally true if the homeowner is considering a short sale or a loan modification. Did you know that the homeowner can negotiate what is reported to the credit agencies? Also, are you aware that items that get reported can be challenged and deleted from credit reports? With proper guidance, just about anyone can learn how to have unfavorable items deleted from their credit reports. If you ask us, we can show you how to manage your credit, improve your rating, then buy another property within a few years while prices are at historical lows.

How to get started

To begin this process and to get yourself onto this road to "financial recovery" , we recommend that you perform the following steps:
  • Contact our office on 1-888-RE Help 9 to obtain a free financial assessment and an evaluation of up to 15 different options.
  • Identify the solution or solutions that are most feasible for your situation.
  • Contact the companies referred to you to identify the best company for you.
The most important thing is for you to begin the process, so you can resolve the matter favorably. If you decide that a loan modification is for you, then you will receive a free referral to companies that can perform the service you want at a price you can afford. For further information, please call us on 1-888-RE Help 9.

Disclaimer
[SCORE (won't be visible) 52-59 Some early signs of distress, no immediate danger, needs a plan.]

Preliminarily, it appears that you have several risk factors that indicate an affordability issue. But their may still be other alternatives besides selling your property.
We strongly recommend you undergo a thorough review to help you identify the best plan of action for you. Proper-T-Solutions.com is offering a free evaluation and assessment of up to 15 options to help you identify the best course of action for your situation. Next, we can refer you to service providers that are best able to help you meet your specific objectives.

Sell Property/Short Sale

Many homeowners are deciding that it is time to sell their home because they owe more than their property is worth, or because they just cannot afford the monthly payments, even if they were reduced. Alternatively, we have helped some homeowners find a way to keep their home. You decide and we will gladly assist you -- it's up to you.
  • Many property owners are facing the difficult decision of selling their property because it is best for their family and their situation. Fortunately, these sellers are able to minimize the damage to their credit rating, creating an opportunity to purchase a similar property within a year or two. This can be a major benefit because the depressed real estate market is creating an opportunity for buyers, including property owners that may have been forced to sell during this downturn.
  • A short sale may cause some damage on the property owner's credit report, but it is much less than a failed loan modification that could inevitably lead to foreclosure or bankruptcy. What most people don't understand is that the short sale negotiator can actually influence what the lender reports to the credit agencies.
  • We always recommend that our clients use experienced companies that are able to negotiate "paid as agreed" or other similar language on the property owner's credit report.
  • In addition, we recommend the property owner use a credit repair company, or at least become familiar with basic credit repair issues. This way, distressed property sellers can quickly become property buyers and participate in the opportunity of buying real estate at the historically low prices.
What is most important is to find a buyer who will work with you for mutual benefit. Most realtors who perform short sales are unable to address the two most important issues. They do not:
  • Consider the tax implications of the transactions. It is important to price the property and manage other issues correctly to avoid tax liability from the sale of the property.
  • Avoid deficiency judgments for the homeowner. Many lenders want the homeowner to sign a note for a portion of the deficiency on a short sale. It is important to negotiate with the lender to avoid this.
  • Negotiate favorable reporting to the credit bureaus. It is important to negotiate what the lender reports as a part of the settlement to help the homeowner get a fresh start. This way, another property may be purchased when the homeowner is ready.
Many homeowners are paying 45%, 50%, 60%, or more of their family's income on a mortgage payment. What a nightmare! These payments are clearly more than they can afford, and many are missing their monthly payments. This situation creates a severe imbalance in their family budget, cause unnececesary stress and difficulties. Alternatively, imagine selling this house, and buying a comparable property in the same neighborhood, but only spending 25% to 40% of your family's income on the monthly payments. By making the difficult decision now to rid yourself of this burden, and working to manage your credit rating, it is feasible that you can complete the transition towards having a more balanced family budget, free of this burdensome debt!

Credit ratings are an important area that needs to be considered by homeowners and needs to be a part of the recovery plan. This is also true if the homeowner is considering a loan modification or any other remedy. Did you know that the homeowner can negotiate with the lenders regarding what is reported to the credit agencies? Also, are you aware that items that get reported can be challenged and deleted from credit reports? With proper guidance, just about anyone can learn how to have unfavorable items deleted from their credit reports. If you ask us, we can show you how to manage your credit, improve your rating, then buy another property within a few years while prices are at historical lows.

How to get started

To begin this process and to get yourself onto this road to "financial recovery" , we recommend that you perform the following steps:
  • Contact our office on 1-888-RE Help 9 to obtain a free financial assessment and an evaluation of up to 15 different options.
  • Identify the solution or solutions that are most feasible for your situation.
  • Contact the companies referred to you to identify the best company for you.
The most important thing is for you to begin the process, so you can resolve the matter favorably. For example, if you decide that a loan modification or a short sale is for you, then you will receive a free referral to a realtor or to companies that can perform the service you want at a price you can afford. For further information, please call us on 1-888-RE Help 9.

Disclaimer
[SCORE (won't be visible) 40-51 Signs of distress, things may get worst, needs a plan to avoid problems.]

Preliminarily, it appears that you have several risk factors that indicate an affordability issue. But their may still be other alternatives besides selling your property.
We strongly recommend you undergo a thorough review to help you identify the best plan of action for you. Proper-T-Solutions.com is offering a free evaluation and assessment of up to 15 options to help you identify the best course of action for your situation. Next, we can refer you to service providers that are best able to help you meet your specific objectives.

Sell Property/Short Sale

Many homeowners are deciding that it is time to sell their home because they owe more than their property is worth, or because they just cannot afford the monthly payments, even if they were reduced. Alternatively, we have helped some homeowners find a way to keep their home. You decide and we will gladly assist you -- it's up to you.
  • Many property owners are facing the difficult decision of selling their property because it is best for their family and their situation. Fortunately, these sellers are able to minimize the damage to their credit rating, creating an opportunity to purchase a similar property within a year or two. This can be a major benefit because the depressed real estate market is creating an opportunity for buyers, including property owners that may have been forced to sell during this downturn.
  • A short sale may cause some damage on the property owner's credit report, but it is much less than a failed loan modification that could inevitably lead to foreclosure or bankruptcy. What most people don't understand is that the short sale negotiator can actually influence what the lender reports to the credit agencies.
  • We always recommend that our clients use experienced companies that are able to negotiate "paid as agreed" or other similar language on the property owner's credit report.
  • In addition, we recommend the property owner use a credit repair company, or at least become familiar with basic credit repair issues. This way, distressed property sellers can quickly become property buyers and participate in the opportunity of buying real estate at the historically low prices.
What is most important is to find a buyer who will work with you for mutual benefit. Most realtors who perform short sales are unable to address the two most important issues. They do not:
  • Consider the tax implications of the transactions. It is important to price the property and manage other issues correctly to avoid tax liability from the sale of the property.
  • Avoid deficiency judgments for the homeowner. Many lenders want the homeowner to sign a note for a portion of the deficiency on a short sale. It is important to negotiate with the lender to avoid this.
  • Negotiate favorable reporting to the credit bureaus. It is important to negotiate what the lender reports as a part of the settlement to help the homeowner get a fresh start. This way, another property may be purchased when the homeowner is ready.
Many homeowners are paying 45%, 50%, 60%, or more of their family's income on a mortgage payment. What a nightmare! These payments are clearly more than they can afford, and many are missing their monthly payments. This situation creates a severe imbalance in their family budget, cause unnececesary stress and difficulties. Alternatively, imagine selling this house, and buying a comparable property in the same neighborhood, but only spending 25% to 40% of your family's income on the monthly payments. By making the difficult decision now to rid yourself of this burden, and working to manage your credit rating, it is feasible that you can complete the transition towards having a more balanced family budget, free of this burdensome debt!

Credit ratings are an important area that needs to be considered by homeowners and needs to be a part of the recovery plan. This is also true if the homeowner is considering a loan modification or any other remedy. Did you know that the homeowner can negotiate with the lenders regarding what is reported to the credit agencies? Also, are you aware that items that get reported can be challenged and deleted from credit reports? With proper guidance, just about anyone can learn how to have unfavorable items deleted from their credit reports. If you ask us, we can show you how to manage your credit, improve your rating, then buy another property within a few years while prices are at historical lows.

How to get started

To begin this process and to get yourself onto this road to "financial recovery" , we recommend that you perform the following steps:
  • Contact our office on 1-888-RE Help 9 to obtain a free financial assessment and an evaluation of up to 15 different options.
  • Identify the solution or solutions that are most feasible for your situation.
  • Contact the companies referred to you to identify the best company for you.
The most important thing is for you to begin the process, so you can resolve the matter favorably. For example, if you decide that a loan modification or a short sale is for you, then you will receive a free referral to a realtor or to companies that can perform the service you want at a price you can afford. For further information, please contact us on 1-888-RE Help 9.

Disclaimer
[SCORE (won't be visible) 30-39 In distress, things likely to get worst, needs an urgent plan.]

Preliminarily, it appears that you have several risk factors that indicate an affordability issue. But their may still be other alternatives besides selling your property.
We strongly recommend you undergo a thorough review to help you identify the best plan of action for you. Proper-T-Solutions.com is offering a free evaluation and assessment of up to 15 options to help you identify the best course of action for your situation. Next, we can refer you to service providers that are best able to help you meet your specific objectives.

Sell Property/Short Sale

Many homeowners are deciding that it is time to sell their home because they owe more than their property is worth, or because they just cannot afford the monthly payments, even if they were reduced. Alternatively, we have helped some homeowners find a way to keep their home. You decide and we will gladly assist you -- it's up to you.
  • Many property owners are facing the difficult decision of selling their property because it is best for their family and their situation. Fortunately, these sellers are able to minimize the damage to their credit rating, creating an opportunity to purchase a similar property within a year or two. This can be a major benefit because the depressed real estate market is creating an opportunity for buyers, including property owners that may have been forced to sell during this downturn.
  • A short sale may cause some damage on the property owner's credit report, but it is much less than a failed loan modification that could inevitably lead to foreclosure or bankruptcy. What most people don't understand is that the short sale negotiator can actually influence what the lender reports to the credit agencies.
  • We always recommend that our clients use experienced companies that are able to negotiate "paid as agreed" or other similar language on the property owner's credit report.
  • In addition, we recommend the property owner use a credit repair company, or at least become familiar with basic credit repair issues. This way, distressed property sellers can quickly become property buyers and participate in the opportunity of buying real estate at the historically low prices.
What is most important is to find a buyer who will work with you for mutual benefit. Most realtors who perform short sales are unable to address the two most important issues. They do not:
  • Consider the tax implications of the transactions. It is important to price the property and manage other issues correctly to avoid tax liability from the sale of the property.
  • Avoid deficiency judgments for the homeowner. Many lenders want the homeowner to sign a note for a portion of the deficiency on a short sale. It is important to negotiate with the lender to avoid this.
  • Negotiate favorable reporting to the credit bureaus. It is important to negotiate what the lender reports as a part of the settlement to help the homeowner get a fresh start. This way, another property may be purchased when the homeowner is ready.
Many homeowners are paying 45%, 50%, 60%, or more of their family's income on a mortgage payment. What a nightmare! These payments are clearly more than they can afford, and many are missing their monthly payments. This situation creates a severe imbalance in their family budget, cause unnececesary stress and difficulties. Alternatively, imagine selling this house, and buying a comparable property in the same neighborhood, but only spending 25% to 40% of your family's income on the monthly payments. By making the difficult decision now to rid yourself of this burden, and working to manage your credit rating, it is feasible that you can complete the transition towards having a more balanced family budget, free of this burdensome debt!

Credit ratings are an important area that needs to be considered by homeowners and needs to be a part of the recovery plan. This is also true if the homeowner is considering a loan modification or any other remedy. Did you know that the homeowner can negotiate with the lenders regarding what is reported to the credit agencies? Also, are you aware that items that get reported can be challenged and deleted from credit reports? With proper guidance, just about anyone can learn how to have unfavorable items deleted from their credit reports. If you ask us, we can show you how to manage your credit, improve your rating, then buy another property within a few years while prices are at historical lows.

How to get started

To begin this process and to get yourself onto this road to "financial recovery" , we recommend that you perform the following steps:
  • Contact our office on 1-888-RE Help 9 to obtain a free financial assessment and an evaluation of up to 15 different options.
  • Identify the solution or solutions that are most feasible for your situation.
  • Contact the companies referred to you to identify the best company for you.
The most important thing is for you to begin the process, so you can resolve the matter favorably. For example, if you decide that a loan modification or a short sale is for you, then you will receive a free referral to a realtors or to companies that can perform the service you want at a price you can afford. For further information, please contact us on 1-888-RE Help 9.

Disclaimer

[SCORE (won't be visible) 20-29 In serious distress, immediate action required.]
Preliminarily, it appears that you have several risk factors that indicate an affordability issue. But their may still be other alternatives besides selling your property.
We strongly recommend you undergo a thorough review to help you identify the best plan of action for you. Proper-T-Solutions.com is offering a free evaluation and assessment of up to 15 options to help you identify the best course of action for your situation. Next, we can refer you to service providers that are best able to help you meet your specific objectives.

Sell Property/Short Sale

Many homeowners are deciding that it is time to sell their home because they owe more than their property is worth, or because they just cannot afford the monthly payments, even if they were reduced. Alternatively, we have helped some homeowners find a way to keep their home. You decide and we will gladly assist you -- it's up to you.
  • Many property owners are facing the difficult decision of selling their property because it is best for their family and their situation. Fortunately, these sellers are able to minimize the damage to their credit rating, creating an opportunity to purchase a similar property within a year or two. This can be a major benefit because the depressed real estate market is creating an opportunity for buyers, including property owners that may have been forced to sell during this downturn.
  • A short sale may cause some damage on the property owner's credit report, but it is much less than a failed loan modification that could inevitably lead to foreclosure or bankruptcy. What most people don't understand is that the short sale negotiator can actually influence what the lender reports to the credit agencies.
  • We always recommend that our clients use experienced companies that are able to negotiate "paid as agreed" or other similar language on the property owner's credit report.
  • In addition, we recommend the property owner use a credit repair company, or at least become familiar with basic credit repair issues. This way, distressed property sellers can quickly become property buyers and participate in the opportunity of buying real estate at the historically low prices.
What is most important is to find a buyer who will work with you for mutual benefit. Most realtors who perform short sales are unable to address the two most important issues. They do not:
  • Consider the tax implications of the transactions. It is important to price the property and manage other issues correctly to avoid tax liability from the sale of the property.
  • Avoid deficiency judgments for the homeowner. Many lenders want the homeowner to sign a note for a portion of the deficiency on a short sale. It is important to negotiate with the lender to avoid this.
  • Negotiate favorable reporting to the credit bureaus. It is important to negotiate what the lender reports as a part of the settlement to help the homeowner get a fresh start. This way, another property may be purchased when the homeowner is ready.
Many homeowners are paying 45%, 50%, 60%, or more of their family's income on a mortgage payment. What a nightmare! These payments are clearly more than they can afford, and many are missing their monthly payments. This situation creates a severe imbalance in their family budget, cause unnececesary stress and difficulties. Alternatively, imagine selling this house, and buying a comparable property in the same neighborhood, but only spending 25% to 40% of your family's income on the monthly payments. By making the difficult decision now to rid yourself of this burden, and working to manage your credit rating, it is feasible that you can complete the transition towards having a more balanced family budget, free of this burdensome debt!

Credit ratings are an important area that needs to be considered by homeowners and needs to be a part of the recovery plan. This is also true if the homeowner is considering a loan modification or any other remedy. Did you know that the homeowner can negotiate with the lenders regarding what is reported to the credit agencies? Also, are you aware that items that get reported can be challenged and deleted from credit reports? With proper guidance, just about anyone can learn how to have unfavorable items deleted from their credit reports. If you ask us, we can show you how to manage your credit, improve your rating, then buy another property within a few years while prices are at historical lows.

How to get started

To begin this process and to get yourself onto this road to "financial recovery" , we recommend that you perform the following steps:
  • Contact our office on 1-888-RE Help 9 to obtain a free financial assessment and an evaluation of up to 15 different options.
  • Identify the solution or solutions that are most feasible for your situation.
  • Contact the companies referred to you to identify the best company for you.
The most important thing is for you to begin the process, so you can resolve the matter favorably. For example, if you decide that a loan modification or a short sale is for you, then you will receive a free referral to a realtors or to companies that can perform the service you want at a price you can afford. For further information, please contact us on 1-888-RE Help 9.

Disclaimer
[SCORE (won't be visible) 10-19 In severe distress, options limited, immediate action required.]