Borrowers

Help Is A Conversation Away

We understand some circumstances in life are not always favorable. If you are experiencing difficulties in your home ownership, communication is the first step on the road to resolving them. Give us a call today at  (262) 421-5094 to discuss how to take action in an effort to protect your credit and your home.

Options

As the note holder of your property, we have the flexibility to offer you real help in your time of need.  After discussing your individual circumstances, we can work with you to either find a way to stay in your home, or allow you to exit your obligations in  way that won’t impact your credit and avoid costly judgements.

Common options to avoid foreclosure


Pre-foreclosure Sale (Short Sale or Short Fall Sale)

You may be able to sell the property before the determined foreclosure date. If the sale of the property is not sufficient to cover your loan debt, we may be open to a lesser payoff amount depending on your individual circumstance.

Forbearance Plan

We may allow you some additional time to catch up on the past-due payments under an agreement called a forbearance plan. These plans are usually limited to three to six months and involve reduced payments in order to prove your eligibility.


Modification

In certain circumstances, we may offer a loan modification. This is a process where we can change terms and payment of the loan. Such an option could include extending the term of the loan in exchange for lower monthly payments, change to a fixed rate, or adjust the balance principle.

Deed-in-Lieu of Foreclosure

If you no longer wish to stay in the property, or cannot afford the payments we may help you to avoid the foreclosure process by allowing you to deed us back the property. in this case, there can be no other liens on the property title

We look forward to hearing from you and are anxious to help you get back on your feet, however, your cooperation is the key factor in making that happen.


The sooner you contact us the better.

Please contact us:
Loan Consultation: (262) 421-5094 (M-F 9a-5pm) or contact your assigned agent or asset manager