If you are headed toward foreclosure or are already in foreclosure, finding a solution for your situation is not easy.  You can become bombarded with confusing Foreclosure proceedings, misleading advertising, confusing claims, and simply bad information.  Starting with Realtors and Attorneys who have outrageous, unaffordable commissions and hourly rates, to Mortgage Brokers promising loans they will never get for you, and your lender who is unwilling to work out an affordable payment plan.  How do you ever find a positive solution to stopping the forecloure?

We Can Help!

The Reality:

Occasionally, we all have trouble achieving our objectives.  Loss of a job, divorce, health issues, or other unforeseen circumstances can create serious financial problems.  We understand.  Bad things do happen to good people.  However, missing mortgage payments can have very serious implications.  Your bank will threaten foreclosure which is recorded on public record. You could face eviction. You will keep none of the equity you’ve earned in your home and your credit will be severely damaged for years to come.  The list goes on… 
 
Options You May Want to Avoid:

Listing with a Realtor -  Most realtors list houses but they don't have your exclusive interests in mind.  If you need to sell your house quickly, this may not be the answer.  One sign in your yard, and a few realtors bringing some people by your house who may not even qualify for a mortgage.  This makes the chances of your house sale closing before the foreclosure date highly unlikely.  The realtors may not know how to negotiate with the bank and it may cost you your home.  Realtors are also not willing to use their own money to save your house from foreclosure.  If you still want to choose this option call us first.  We have a realtor on our team who is an expert at selling homes facing foreclosure.

Refinancing -  Many mortgage brokers will offer refinancing as an option to stop foreclosure.   However, this may only increase what you owe on the home and you may have higher payments since your new loan will be at a much higher interest rate.  If you are already having trouble making the payment, this is hardly an attractive option.  They also may tell you they can refinance you and then make you wait until they eventually tell you they couldn't get you the loan.  But, if your individual circumstances warrant this course of action,  we can assist you.  We have the best mortgage brokers on our team who will do all they can to see if you can qualify for a new loan.

Bankruptcy - While your attorney may advise you to file for bankruptcy to stop a foreclosure, this may only temporarily delay foreclosure and possibly cost you thousands of dollars.  Although Chapter 13 bankruptcy allows you to begin making payments on your home again, missing one payment or making one late payment could result in your lender immediately resuming the foreclosure process.  You will need to pay your chapter 13 bankruptcy payment and your current house payment every month.  For many people this can cost more than they can afford every month.  If your attorney advises you to file Chapter 7, this may only stall the sale of your home for a short time and ruin your credit rating.  Neither of these options are viable in this kind of situation.  If you still want to explore this option contact us first.  We can refer you to one of the top bankruptcy attorneys in Utah who can explain your bankruptcy options fully.  We are not a debt relief agency and cannot provide you counseling regarding bankruptcy.

Loan Workout Payment Plans / Forbearance Agreements -  Many times you can work out a payment plan with your lender to help you get caught up on your payments and avoid the foreclosure.  However, after the new payment plan is made statistically only 20% of homeowners make the 2nd payment of their new plan.  They find that the new payment is so much higher that they just cannot realistically afford it.  Or, they may still be in the middle of their financial troubles and really don't have the money to even qualify for a new payment plan.  They find that their home still go to foreclosure.  If you want to explore this option call us first.  We can negotiate with your lender for FREE on your behalf.

What we can do for you:

We can help you deal with your problems as quickly as possible so you can get on with your life.  The hardest part of a situation like this can be the unknown - worrying if your house is going to sell, having to come up with money out of pocket to close if you do sell your house, or facing the ominous and very damaging prospect of a foreclosure sale.

We can talk directly with your lender, attorneys, and other people who generally have only their interests in mind.

We can offer you peace of mind.  

Depending on your situation, we may provide you with a small loan, or help you refinance and pay off your current lender, or buy your house and help you move on to a better situation.

These are just a few of the solutions that can help. The point is, YOU HAVE OPTIONS.  We can work with you to create mutually beneficial solutions that leave your good name, dignity, and credit intact!  

Premier Home Solutions understands how sensitive these issues can be.  Call us to see how we can help you.  We suggest that you get several professional opinions about your situation but be sure that they are qualified, credible, and truly understand what you need.  We are professional and ethical and are a member of the Better Business Bureau so you can feel confident in us.  MAKE US YOUR FIRST CALL.  You’ll be happy you did because we believe in creating win/win solutions, not taking advantage of people in distress. 

Rarely do problems just go away.  By waiting, you lessen your options and our chances of helping you.  Contact Premier Home Solutions or call NOW (801) 583-3583 for a consultation.  You are under NO obligation if you call us and all calls are kept confidential.