This New Economy has taught me one thing...ANYONE can fall behind on their mortgage and face the possibility of foreclosure.

More times than not, it is the result of unplanned, even uncontrollable circumstances in a individual's life - job layoff, the death or illness of a loved one, a natural disaster, a divorce situation, or other unexpected changes in a family or individual's financial situation.

After 3 mortgage payments are missed, the mortgage servicer can initiate the legal process of foreclosure. It's the most stressful experience anyone can go through. Foreclosure can have great impact beyond just losing your home. In a foreclosure, a family can be forced to relocate, losing their home as well as any equity.

Worse, in some cases, homeowners can still be held financially responsible for some portion of the financieal loss associated with the foreclosed home. Most important, a foreclosure can seriously damage your credit for many years, making it impossible to purchase a home again in the near future.

The truth is: Foreclosures hurt everyone - the homeowner, the bank, the neighbors, and on and on. Critical point: the mortgage servicer REALLY doesn't want to foreclose and, in most cases, sees this as a last ditch option. Instead, mortgage servicers prefer to work with homeowners, if possible, to find a way to keep them in the home. In this trying time, it may be difficult to realize that there are options.

Trust me, there are. I can help you understand your alternatives to foreclosure. I can help you connect with the right people at your mortgage servicer – those with the authority to work out alternatives. If you don’t have the ability to stay in your home, I can help you map your 'exit strategy'.

Most Mortgage Companies will consider a Loan Modification, Deferment, Forbearance or a Repayment Plan as a first option to quickly bring the loan current. I can help you tap into the necessary resources to see if any of these is an options or any of the options below to develop your personalized strategy to stop Foreclosure.

• Reinstatement Plan
• Repayment Plan
• Loan Modification/Loan restructuring
• Loan Refinance
• Loan Forbearance
• Partial Claim
• Pre-Foreclosure Sale
• Short Sale
• Deed-in-Lieu of Foreclosure

I am a Certified Short Sale Specilist because I SPECIALIZE in helping people avoid foreclosure.Have a Plan B. Don't wait until you're in a financial predicament before assessing your options. The time to develop a backup plan is not when things have gotten so bad that you are facing foreclosure, but when things are going well and you can prepare for the unexpected "what if's" that happen in life.

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