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Knowing that you could be a victim of predatory tactics may assist you in achieving the best possible workout solution if you haven fallen behind with your mortgage payments or are in the foreclosure process. Your lender may have committed violations of the very acts that are there to protect you as a consumer. Our team of professionals can assist you in utilizing this knowledge for a more successful workout solution. You may be unaware that these violations exist within your mortgage, so let us assist you in determining if you are in need of this type of assistance.

How the Foreclosure Process Works
When you purchase your home, you agree to put the house up as collateral for the mortgage. If you fail to make your payment, this generally results in a default of your mortgage. This violation of the terms of your mortgage agreement opens the door for various forms of retribution by your lender. Keep in mind that the foreclosure process varies state by state and you should review the laws in your state to determine which of the foreclosure options are available to your lender. While the majority of states offer the judicial foreclosure process, many do not. The judicial foreclosure process relies upon the state's court system to make judgment before they are able to foreclose. You may wish to seek legal council to fight the proceedings of the foreclosure process. Dependant upon the state, foreclosure can be swift or drawn out, and you should know your options. If the lender succeeds in the foreclosure proceedings, the property is typically sold at auction and the funds from that foreclosure auction are used to pay off the lender and any other liens against the property. Liens can consist on property taxes, second mortgage, creditors, or IRS liens. In the majority of foreclosures, the proceeds from the sales of the property at auction generally do not cover the amount owed to the lender, which is the case in many recent home foreclosures because of the current state of the housing market and the rapid decline of home prices. Many consumers find that their home value has dropped below their market value at the time of purchase. Again, dependant upon the state, additional remedies may be available to lenders in these instances that allow them to recover the difference in the amount they are owed and the amount they received for the sale of the house at auction. A deficiency judgment may be filed against you for the difference, so be certain you know your rights and consequences.

Are you facing financial hardship difficulties?
It seems everyone is doing it these days. It's not the latest fad, but it is the latest news. Consumers are struggling everyday to pay their bills. With unemployment levels on the rise, the economy in a slump, the only reassurance is that you are not alone. Financial stress is weighing heavily on our emotional and psychological well beings. Mortgage payments seem unbearable on top of the other financial woes, but there are actions you can take, and we are here to help. United is helping homeowners across America keep their homes, and get their house payment under control. Let us assist you with your mortgage company. Let us carry the stress of dealing with your lender and their attorneys, while you focus on moving forward. We work with your lender to achieve a more reasonable payment solution for your mortgage, and if you are facing foreclosure we may be able to help you save your home. Your home is your most valuable asset, and the foundation your family is built upon. Let our foreclosure assistance experts go to work for you immediately and handle the entire workout solution from beginning to end. We with with hundreds of financial institutions and banks every day and achieve real results. Countrywide, Washington Mutual, America's Servicing Company (ASC), Chase, Wells Fargo, Citi, Homecomings, Indy Mac, Homeq, Bank of America and countless others all work with us, and we work for you. We keep your best interests as a priority during the entire process, and don't let your bank forget that keeping you in your home isn't just an option, it is a necessity. Regardless if your mortgage is FHA, Freddie Mac, Fanny Mae, VA, USDA or Conventional, we get results.

There are alternatives to a traditional loan refinance
There was a time where one would have to refinance their home mortgage in order to lower their interest rates. Things have changed. No longer is it necessary to have perfect credit to refinance. You no longer need to be current with your payments to seek assistance. Even if you are upside down on your home, have fallen behind on your mortgage payments, or are facing foreclosure you may qualify for assistance with a workout solution with your lender. There are no closing costs in most circumstances to get resolve your situation and it just may help you save your home, or get the financial break you need to stay afloat. We're here to assist you in obtaining a workout solution with your lender.

Mortgage lenders and loan servicers
If you are seeking assistance with your mortgage you will probably find yourself dealing with the loss mitigation department. This area of the company has the ability to review a borrower's loan and make changes to the loan terms such as lowering the interest rate, lowering the mortgage payment, or changing the term of your loan. Keep in mind that this department works for the lender and is there to minimize losses for your lender. They may not be working in your best interests, but instead are there to make sure that the lenders interests are protected. Without having to follow traditional underwriting guidelines, this process allows the lender to make changes to the mortgage that may be beneficial to the homeowner, especially those who are underwater or facing foreclosure. You should expect to have your lender review your specific scenario such as your hardship, your financial situation, and your ability to pay in order for the lender to determine an option that benefits both themselves and you. A workout solution may be able to assist homeowner's who are struggling to make their house payments, especially those that have adjustable interest rates (ARM) or who no longer have equity in the home as an alternative to refinance.

Options to Stop Foreclosure
Each homeowner's situation and circumstance is unique when looking for help with foreclosure or a mortgage delinquency. We are here to assist the homeowner in making an informed decision regarding possible foreclosure options, and by implementing the best alternative to stop foreclosure processes. We will work with you to help determine which options best meet your needs, and exhaust every possible foreclosure possibility to assist you in saving your home. If your house can be saved from foreclosure, our company will strive harder to keep your family in their home. Bankruptcy is really not an option, as most homeowners find themselves back in the same situation and now with a bankruptcy on their record. Find out if you qualify for assistance. We will provide you with the honesty and integrity that you deserve.

Financial difficulty does not discriminate
All over America people of all races, occupations, and faiths are being affected by the economic crisis. Most people facing a financial hardship have experienced a major life change. Job loss, a loss of hours, illness, injury, divorce, or even a loss of home value are just a few of the economic hardships people are now facing. Many consumers now feel trapped by their mortgage payments. Even more find themselves having difficulty paying their mortgages. We can help you by determining if you are eligible for a workout solution with your lender. We may be able to assist you by working with your lender to reduce your payment or your interest rate without refinancing your home. We specialize in modifying your mortgage payments to a more affordable level. While our economy continues this tumultuous period of time, many homeowner's are feeling hopeless. We agree that there are far to options available to the homeowner, but can help you find the option that will best assist you in keeping your home. Many have the perception that nothing can be done - home foreclosure is inevitable. This is not true! Our core purpose at United is simply to save your home. Regardless of your situation, you need to know if there is help. Find out if you qualify, we'd be glad to let you know what options are available, and remember there is no cost to find out if you qualify for our help.

If you are at risk of foreclosure we will contact your lender to try and make arrangements. In addition, if you have problems that could result in mortgage default or foreclosure, you should consider contacting United Now!