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PREFORECLOSURE
Providing the best LDMB CONSULTING & ADVISORY policy to customers.
Preforeclosure Assistance
LDMB CONSULTING & ADVISORY:
YOUR TRUSTED PARTNER IN PREFORECLOSURE SITUATIONS
Facing preforeclosure can be overwhelming and stressful. At LDMB CONSULTING & ADVISORY, we specialize in providing expert guidance and support to help you through this challenging time. Our goal is to offer personalized solutions that protect your interests and help you make informed decisions.
Preforeclosure Assistance
LDMB CONSULTING & ADVISORY:
YOUR TRUSTED PARTNER IN PREFORECLOSURE SITUATIONS
Facing preforeclosure can be overwhelming and stressful. At LDMB CONSULTING & ADVISORY, we specialize in providing expert guidance and support to help you through this challenging time. Our goal is to offer personalized solutions that protect your interests and help you make informed decisions.
Preforeclosure Assistance
WHAT HAPPENS DURING PREFORECLOSURE
1. Missed Payments:
The preforeclosure process begins when you miss several mortgage payments. The number of missed payments varies but typically starts after three consecutive missed payments.
2. Notice of Default:
The lender sends a Notice of Default (NOD), informing you that you are in default on your mortgage and detailing the amount owed to bring the loan current. This notice is often the first formal step in the preforeclosure process.
3. Public Record:
The NOD is recorded with the county, making your preforeclosure status a matter of public record. This can lead to increased communication from real estate investors and agents offering assistance.
4. Grace Period:
After receiving the NOD, there is typically a grace period during which you can take action to resolve the default. This period varies by state but generally lasts 2-3 months.
Preforeclosure Assistance
WHAT DOES PREFORECLOSURE LOOK LIKE?
Preforeclosure can manifest in several ways:
– Increased Financial Stress:
You may experience significant stress and anxiety over missed payments and potential loss of your home.
– Communication from Lenders:
Expect frequent communication from your lender, including letters and phone calls, reminding you of your overdue payments.
– Public Knowledge:
As the NOD is a public record, you might receive unsolicited offers from investors and real estate agents.
– Potential Eviction Notices:
If the preforeclosure process progresses without resolution, you might receive eviction notices, escalating the urgency of your situation.
Preforeclosure Assistance
HOW TO PREVENT PREFORECLOSURE
1. Communicate with Your Lender:
The most important step is to maintain open communication with your lender. Inform them of your financial difficulties and explore options like forbearance, repayment plans, or loan modification.
2. Budget Management:
Reassess your budget to identify areas where you can cut expenses and redirect funds to your mortgage payments.
3. Seek Professional Advice:
Consult with financial advisors or housing counselors who can offer strategies and resources to help you avoid preforeclosure.
Preforeclosure Assistance
MEASURES TO TAKE GET OUT OF PREFORECLOSURE
1. Loan Modification:
Negotiate with your lender to modify your loan terms. This could involve lowering the interest rate, extending the loan term, or reducing the principal balance.
2. Short Sale:
If staying in your home isn't feasible, consider a short sale. This involves selling your home for less than the outstanding mortgage balance with your lender's approval.
3. Refinance Your Mortgage:
Explore refinancing options that can provide better loan terms and reduce your monthly payments, giving you a chance to catch up and avoid foreclosure.
4. Government Assistance Programs:
Investigate government programs designed to help homeowners in distress. Programs like the Home Affordable Modification Program (HAMP) can provide relief.
5. Legal Support:
Work with legal experts to understand your rights and obligations, and ensure you navigate any legal complexities that arise during the preforeclosure process.
Preforeclosure Assistance
HOW WE HELP
At LDMB CONSULTING & ADVISORY, we offer a range of services tailored to your needs:
1. Direct Communication with Your Lender:
If you prefer, we can communicate directly with your lender on your behalf. By adding us as your authorized representative, we can negotiate loan modifications, repayment plans, and other arrangements to help you stay in your home.
2. Customized Financial Strategies:
Our experts will work with you to develop a customized financial strategy to address your specific situation. This includes budgeting advice, debt management plans, and exploring all available options to prevent foreclosure.
3. Comprehensive Support:
From the initial consultation to the final resolution, we provide ongoing support and guidance. Our goal is to empower you with the knowledge and tools you need to navigate preforeclosure successfully.
4. Emotional and Practical Support:
We understand the emotional toll of facing preforeclosure and approach each case with empathy and understanding. Our team is here to support you every step of the way, ensuring you feel confident and informed throughout the process.
Preforeclosure Assistance
WHY CHOOSE LDMB CONSULTING & ADVISORY
– Expertise:
Our team has extensive experience in handling preforeclosure cases, providing you with knowledgeable and reliable support.
– Personalized Approach:
We tailor our services to meet your specific needs and circumstances, ensuring the best possible outcome.
– Comprehensive Support:From initial consultation to final resolution, we offer comprehensive support every step of the way.
– Compassionate Service:
We understand the emotional toll of facing preforeclosure and approach each case with empathy and understanding.
Preforeclosure Assistance
TAKE ACTION TODAY
If you are facing preforeclosure, it is crucial to act quickly to explore your options and protect your home. Contact LDMB CONSULTING & ADVISORY today to schedule a consultation and take the first step towards securing your financial future.
Let LDMB CONSULTING & ADVISORY be your trusted partner in navigating preforeclosure and securing a brighter future.
LOAN CONSULTING:
While we cannot guarantee approval, we will work tirelessly on your behalf until all options are exhausted!!
LOAN CONSULTING:
We do charge a loan consulting fee, similar to a broker or origination fee, but only when the loan is approved and will close. This fee is added to the closing costs and will be paid at closing.
KEY POINTS
1.Conditional Fee: The fee is only charged upon loan approval and closing.
2.Varied Fee Structure: The fee may be a percentage of the loan amount or a flat fee, depending on the specifics of your file.
3.Fee Cap: We guarantee that our consulting fee will not exceed 1.5% of the loan amount.
4.Negotiation on Your Behalf: While we cannot determine the exact fee until we secure financing, rest assured that we will negotiate on your behalf to ensure the best possible terms.
5. Transparency: We commit to full transparency about any additional charges from lenders or brokers once we begin working on your file.
GET STARTED WITH OUR CONSULTATION & ADVISORY SERVICES
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Please note that there are other consulting and advisory fees associated with different products and services. Some fees may be flat rates, percentages, or included within the administrative fee. This initial $9.99 fee allows us to work with you and dedicate our time to your needs.
OUR OFFER
Initial Administration Fee: $9.99 for the first week.
Continued Access:
If you wish to continue working with us after the first week, it’s only $9.99 per week. You can cancel at any time.
Non-Refundable Fee:
Unfortunately, the $9.99 fee is non-refundable. However, you will still have full access to consult with us until the week is over!!
BENEFITS
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provides. Risk-Free Start: If you're unsatisfied, you only lose $9.99.
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