EZ Loss Mitigation Assistance

At EZ Close Agency, we recognize the difficulties you face when dealing with missed mortgage payments, navigating a notice of default, or encountering a pre-foreclosure filing. You do not have to endure this challenging situation alone; we are here to offer the support and expertise you need. Our team is committed to guiding you through these tough times, ensuring that you have the resources and assistance necessary to find a resolution.

EZ Loss Mitigation Assistance

Comprehensive Guidance Through the Process

Our team specializes in helping individuals like you evaluate your options for mortgage relief. We recognize that calling your lender can often leave you feeling confused and frustrated. While they may suggest filling out a loss mitigation application, we go beyond that. We ensure you fully understand what this application entails and how it can help you.

Expert Assistance with Applications

Filling out a loss mitigation application can be daunting, but with EZ Close Agency by your side, you’ll have expert guidance every step of the way. We clarify what the application is for, how it can potentially stop foreclosure activity, and whether it can lead to more affordable payment options.

Protection for Your ‎ Home

We know that the fear of losing your home is overwhelming. Our dedicated team works tirelessly to maximize your chances of success. We’ll help you navigate the complexities of the application process and advocate on your behalf to ensure that your interests are protected.

Professional Negotiation on Your Behalf

With our extensive experience in mortgage relief, we handle communications with your lender. This means you can focus on your life while we negotiate terms and conditions that work for you. Our goal is to alleviate your stress and provide you with peace of mind during this challenging time.

A Trusted Resource for Your Financial Future

When you align with EZ Close Agency, you gain a trusted advocate who understands your situation and is committed to helping you find a resolution. We offer personalized support tailored to your unique needs, ensuring that you have the best possible chance to secure a favorable outcome.

Risks of Selling a Distressed Home

Without proper guidance, selling a distressed home can lead to disaster. You may have an agent who lacks experience with foreclosure timelines, making it difficult to determine the right time to sell or whether your foreclosure has already been made public.

Don’t let financial hardship dictate your future. Contact EZ Close Agency today and let us guide you toward a brighter tomorrow. Together, we can navigate the complexities of mortgage relief and help you regain control of your financial situation!

Getting Started with Loss Mitigation Assistance

We frequently assist clients facing financial difficulties related to their homes or distressed properties. The initial step is to schedule a complimentary consultation, during which we will begin by covering the follwing:

Assessing Your Financial Situation

We begin by gathering important information about your financial circumstances. Our goal is to understand the challenges you and your household have faced and how these hardships have impacted your income. This insight allows us to tailor our approach to meet your specific needs.

Understanding Your Experience with the Bank

Next, we want to hear about your interactions with your bank thus far. We’ll discuss the challenges you’ve encountered and what information or guidance they have provided. This helps us identify any obstacles you need assistance with and ensures we are fully informed as we move forward.

Evaluating Your Default Timeline

It’s crucial for us to know where you stand in the pre-foreclosure process. We’ll assess your timeline to determine how much time you have to address the situation and what immediate steps we need to take. This information is vital for developing an effective strategy to help you navigate your options.

Once we have discussed your financial situation, your experiences with the bank, and your foreclosure timeline, we will ask you to consider an important question:

“In an ideal world, would you prefer to try to save your home, or would you like to explore options for moving on?”

This question is designed to help us understand your goals and preferences as we work together. Based on your response, we will develop a personalized mortgage relief plan tailored to your unique circumstances.

Our aim is to provide you with clear options and possibilities for mortgage relief, ensuring that you feel supported and empowered throughout the process. We are here to help you navigate this challenging time with compassion and expertise, guiding you toward the best possible outcome for your situation. Together, we will explore the path that aligns with your needs and aspirations.

Understanding Foreclosure Relief

When facing the possibility of foreclosure, it’s important to know that you have several options available to help you navigate this challenging situation.

Saving Your Home

Loan Modification or Repayment Plan: You may be able to negotiate a new agreement with your bank that allows you to resume structured payments without having to pay the full amount owed. This can provide much-needed relief and help you stay in your home.

Mediation: Filing for mediation can temporarily halt foreclosure proceedings while you explore options with your bank. This process allows for direct lender communication about potential solutions available.

Forbearance Plan: Check if your bank offers a short-term forbearance option, which can help you catch up on your mortgage payments without the immediate pressure of full payment.

Reinstatement: Determining your past due amount and ensuring that any reinstatement funds are applied correctly and effectively to stop foreclosure activity.

Transitioning Out of Your Home

Short Sale: If your property is underwater, a short sale allows you to sell it and settle any remaining debt, helping you move on from a challenging investment.

Traditional Sale: Selling your home can secure your equity and provide you with funds to start fresh.

Deed in Lieu of Foreclosure or “Cash for Keys” Agreement: This option involves voluntarily transferring ownership of your property back to the bank in exchange for halting foreclosure proceedings.

Buying Time Before Transitioning:

You may be able to utilize various rights and loss mitigation programs to maximize the time you spend in your home while preparing for a smooth transition before foreclosure occurs. This approach allows you to plan your next steps on a timeline that works for you.

Litigation and Bankruptcy

In some cases, pursuing litigation or filing for bankruptcy may be more appropriate for your situation. If this is the case, we will discuss these options briefly and provide referrals to reputable attorneys who specialize in foreclosure litigation or bankruptcy.

Additional Topics We Can Cover

Best and Worst Case Scenarios: We’ll evaluate potential outcomes based on your situation.
Fastest Resolution Options: We’ll identify the quickest paths available to resolve your issues.
Timeline for Multiple Options: Understanding how long each option may take is crucial for planning.
Last Resort Options: We’ll explore all alternatives, including those that may be less favorable but necessary.

Throughout this process, we aim to create a plan that aligns with your goals. If achieving your first choice isn’t realistic, we’ll discuss why and identify practical alternatives as part of a comprehensive foreclosure prevention strategy.

Ultimately, it’s important to remember that you have options—many of which your lender may not disclose. They are primarily focused on collecting debts rather than providing guidance. That’s why speaking with an experienced mortgage relief professional is essential when handling Loss Mitigation.