Top 10 THINGS TO DO WHEN FACING FORECLOSURE:


​1. CALL US IMMEDIATELY AT 205-410-1838


2. We'll take care of the other 9!


WE HAVE MANY YEARS OF EXPERIENCE HELPING PEOPLE AVOID FORECLOSURE.


OUR MAIN OBJECTIVE IS HELPING YOU STAY IN YOUR HOME, BUT WE ALSO HAVE THE RESOURCES TO HELP YOU WALK AWAY FROM THIS WITH CASH IN YOUR POCKET.


​

 When we speak, please:


  • Gather your loan documents and set up a case file.
    • Include your loan documents, like copies of the mortgage (or deed of trust) and the promissory note.
    • Your monthly billing statements
    • Any correspondence from your mortgage holder
    • Any correspondence from bank attorneys
    • Copies of any letters you sent to the servicer / their attorney
    • Copies of any liens, second mortgages, etc.
  • ​You should also figure out your total monthly income (including your monthly gross wages, overtime, self-employment income, unemployment income, Social Security, child support, and alimony, for example) and your monthly expenses (including your mortgage payments, credit card payments, car payments, student loan payments, food, entertainment, utilities, HOA/condo fees, etc.)
  • You should also figure if you earn enough income to afford staying in your home. Rule of thumb is, you should earn 3 times the amount of your housing payment each month.
  • Start downsizing your lifestyle. Now that you've figured out your income and expenses, it's a good time to review your spending habits and create a realistic budget.
    • Start by looking for ways to reduce your everyday expenses. For example, if you buy a cup of coffee every morning or eat lunch out every day, these costs can add up. You also probably have several optional expenses—like gym memberships, cable television, and other forms of entertainment—that you might be able to eliminate. If you have certain monthly payments you can't get rid of, such as credit card debt, you might be able to negotiate a lower monthly payment.
    • Think about different ways that you can cut back spending or completely eliminate certain costs so that you'll be better able to make your payments. 


If you've exhausted all options and aren't able to work out a deal that will allow you to keep the home, you might still be able to avoid a foreclosure by selling it immediately, before the foreclosure sale.

WE'RE BUYING HOUSES IN ALABAMA:

Blount

Cullman

Jefferson

St. Clair

Shelby

Marshall and

Talladega Counties


IN PENNSYLVANIA:

Allegheny

Armstrong

Butler

Indiana and

Westmoreland Counties

From
To
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You may also

 CALL / EMAIL US AT 

205-410-1838

JamesAndJamesREI@gmail.com

FEAR NOT!


WE CAN ALSO help with aN HONEST, cash offer to buy your home quickly and hassle-free, AT NO COST TO YOU.


You could have your house sold in days, regardless of the condition or your financial situation. 


We have many years of experience helping people avoid foreclosure. OUR MAIN CONCERN IS HELPING YOU STAY IN YOUR HOME BUT WE ALSO HAVE THE RESOURCES TO HELP YOU WALK AWAY FROM THIS WITH CASH IN YOUR POCKET.

We'll come tour your home and give you a no-obligation evaluation. If you like what we decide, we'll get to work right away to get your mortgage payments caught up, attorneys bills paid in full and cash in your pocket.