YOUR HOME CAN BE SAVED FROM FORECLOSURE!! HOME IN FORECLOSURE? You've Come To The Right Place! The Counselors of The Fountain Group are here to help people to understand and know their options when unfortunate financial or personal situations cause a property to go into foreclosure. Our goal is to help individuals and families save their properties without further litigation and mostly without filing bankruptcy. We can help in a variety of different situations.
What's Your Situation? Let The Fountain Group see how we can assist you: 1. If you want to keep your property, You Can and We Can Help! 2. Even if your property is up for Sheriffs Sale, It is Still Not Too Late, We Can Help! 3. If you owe more than your property is worth, and want to leave or can not afford to stay in your property, We Can Work With The Bank So That You May Not Owe Any Money When The Property is Sold! 4. If you want to leave, We May Be Able To Help Find Someone To Purchase Your Property! 5. Even if you have filed for bankruptcy, We Can Still Help Save Your Property! 6. Even if you have abandoned your property, There Are Still Options Available To You! 7. If you need or want to sell your property, We Can Help You Extend Your Time!
When Is A Mortgage Delinquent? A mortgage is considered delinquent when any payment is not made by the due date. It can be in default when two or more payments are missed. Usually around the second or third month the mortgage holder will notify you, that if the mortgage is not caught up, they will take serious action against you. This warns the property owner that a foreclosure action is coming very soon. THIS IS THE VERY BEST TIME TO ACT AND CONTACT YOUR PROFESSIONAL FORECLOSURE CONSULTANT. Sometimes at this early stage, the situation can be resolved within one to two weeks. Types Of Foreclosures In order for the lender to start foreclosure, they must go to court and initiate a lawsuit asking the court to sell the property. Depending on what state you live in there are two types of foreclosures: Judicial (done in the court system where you are served with a summons and complaint from the court), or a non-judicial (outside of the court system). Both types of foreclosure require the mortgage lender to follow very strict rules and guidelines concerning the methods and timing for notifying you and others of the foreclosure, before they can actually sell your property. Judicial foreclosures can take as short as six months and as long as several years, depending on the state of the residence. Non-judicial foreclosures can take place in as little as three to six months. Best Option Your best options can be available to you very early in the process. The more time we have to work out the problem, the better chance you have of obtaining a great option to save your home that fully meets your needs as well as the needs of your lender. What Does The Lender Want Your lender does not really want your home back. The foreclosure action is a method to show you that they are serious about wanting to resolve the current mortgage delinquency. In fact, when a lender has too many properties in foreclosure, it limits their ability to borrow money and make new loans. So they are as eager as you to resolve the mortgage problem and get back on track with your mortgage payments. Can You Be Helped? Most homes can be saved from foreclosure by taking the proper action. The faster you ask for help, the more options there are available, and you will have a greater chance for success.