What Are My Options?

Facing foreclosure? Don’t panic. We at Reyestate Home Solutions understand the overwhelming pressure of saving your home. While government programs, lenders, and local agencies offer solutions, they might not always be the perfect fit. That’s where Reyestate Home Solutions comes in. We specialize in crafting unique strategies to help you navigate foreclosure and potentially keep your home that attorney may not be able to provide.

Every situation is unique. The specific solutions available to prevent foreclosure depend on your loan details and current finances. We hope our website empowers you to make informed decisions based on your specific circumstances. Remember, taking action is crucial. While you explore your options, keep in mind that foreclosure timelines move quickly. The sooner you address the situation, the more time there is to explore your options and potentially save your home. This revision removes the pressure tactics and emphasizes the importance of understanding your situation and acting promptly.

"What if I default on my loan?"

Missing a mortgage payment has serious consequences like damaging your credit, finances, and accelerating the mortgage. This report provides options for homeowners falling behind and basic mortgage knowledge. Understanding the system and your rights helps make good decisions when negotiating with lenders. Borrowers equipped with this analysis enter discussions from a position of strength

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What's Happening?

Let's Break it Down

🤳🏼 Grace Period

During the grace period, the bank will send friendly reminders about late payments that become more threatening over 1-3 months.

💸 Re-Instatement Period

During the reinstatement period, the sooner you act, the easier it is to catch up. In the first month, you only need to pay one missed payment to become current. By the second month, you'll need to pay two missed payments, and by the third month, three missed payments. Each additional month adds another missed payment to the amount required for reinstatement, making it increasingly challenging to catch up.

🧑‍💻 Foreclosure

Foreclosure has several steps. If over 90-120 days late, a Notice of Default details amounts owed. Laws govern notices.

So what Now?

Don’t lose hope! We’re here to answer any questions and guide you in your most important financial decisions.

Short Term and Temporary Financial Situation:

MORTGAGE REINSTATEMENT If you have enough cash, you can “reinstate” your mortgage by making up all the missed payments plus fees and interest the lender/mortgage company charges you in one lump sum.

FORBEARANCE A temporary period of time during which a regular monthly mortgage payment is reduced or suspended.

REPAYMENT PLAN A process in which a homeowner promises to pay down past due amounts on a mortgage while continuing to make regular monthly payments on a property.

Long Term and Permanent Financial Situation

MORTGAGE MODIFICATION A modification is any change to the terms of your mortgage loan, including changes to the interest rate, loan balance, or loan term.

SHORT SALE A short sale is the sale of a home for less than the balance remaining on your mortgage. If your mortgage company agrees to a short sale, you can sell your home and pay off all (or a portion of) your mortgage balance. Consider this option if you can no longer afford your home.

DEED-IN-LIEU OF FORECLOSURE With a Deed-in-Lieu of Foreclosure (DIL), you transfer the ownership of your property to the owner of your mortgage in exchange for a release from your loan and payments.

Reyestate Alternatives:

1. Home Retention Refinance Program We refinance your mortgage, stop foreclosure, and lease your home back to you with a 36-month repurchase option. After 36 months, you can refinance, sell, or remain as a tenant.

2. 6–Month Option Agreement Plan We stop foreclosure and cover your past-due balance, giving you 6 months to repurchase your home. Missing payments or failing to repurchase may result in equity loss.

3. Equity Protection Program We help protect your equity by covering missed payments and guiding the sale of your home. After costs and fees, you keep the remaining proceeds. Offers must be finalized within 60 days.

4. Lease Back Program We catch up your payments and lease the property back to you, allowing you to stay in your home as a long-term tenant with no pressure to repurchase.

5. Sub–To Offer We take over your mortgage payments and stop foreclosure. You may qualify for up to $20,000 to assist with your transition. For more details, contact us today!

6. Reyestate Home Solutions verage Claim House already went to auction? Not a problem. Reyestate Home Solutions transforms foreclosure setbacks into financial recovery opportunities. Our specialized team expertly locates and retrieves surplus funds remaining after property auctions, ensuring you reclaim every dollar you're legally entitled to receive. We navigate the complex legal landscape so you don’t have to, turning potential loss into unexpected financial gain.

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We don’t just meet expectations—we exceed them. At the pinnacle of real estate service, we deliver results grounded in experience, strategy, and dedication. Whether you’re buying or selling, we bring clarity, confidence, and class to every step of your journey.