Helping Save Homes & Equity since 2004

LegalHomeHelpers.com has been helping struggling home owners save their home since 2004, and we have even been featured in the Wall Street Journal about our knowledge & expertise.

We know the guidelines of what the major lenders expect & require, but more importantly we know federal lending guidelines too, and we know that many lenders tend to not always want to follow the federal guidelines, which is a major no-no.

We are prepared to negotiate to get the best solution for you and your family.

We work hard to achieve these goals & resolutions for you & your family.

Restructured Loans & Modifications:

Most solution options are a restructured loan, or a loan modification which can potentially put you back on track and your property out of default. 

With a loan modification we at LegalHomeHelpers can negotiate with your institution to potentially get your rate and terms altered to a lower payment so that you can keep your home!  

On their own, we have seen most homeowners get the runaround when personally applying for assistance.  But, we at LegalHomeHelpers.com know how to package a successful modification package to save your home, as well as how to keep the lenders within federal guidelines.

Forbearance:

The banks often push for a ‘forbearance’ in which they request the home owner to sign and deed the property back to them, the bank. We strongly recommend NOT to do that, as it ONLY benefits the banks. We at LegalHomeHelpers.com can get you more time in the house & with more cash for if and when you decide to vacate the home.

Selling:

Another option is to of course sell your home. Depending on your situation our associates can sell your home on your timetable while we keep the bank on hold. 

There are 3 different ways we can sell your home, depending on your scenario we can lessen the pressure from your lender by greatly slowing down their foreclosure process, getting you the homeowner many more months in your home so that you can properly plan your next move.

• Traditional Sale

Our team of experienced realtors can sell your property the conventional way with signs, open houses & internet exposure etc.  Though this does take some time which you may or may not have. As most homes require a deep cleaning, repairs, coupled with buyers doing home inspections & finalizing a home loan to complete the sale.  Despite all this, we generally have great success in delaying the banks when working with one of our recommended realtors

• Investor Sale

Or, sell it without all the fuss & with no need for repairs in an ‘as is disclosed transaction' by doing an Investor Sale.

While this type of transaction may get a lower offer, there are no commission fees or closing costs to you, the seller.  Often many sellers may net nearly the same versus a conditional sale.  And with an Investor Sale there is no need for real estate signs, open houses, countless showings, not to mention the many inspections by a traditional buyer and their need to qualify for a loan. 

With an investor sale this removes all those concerns & the investors can close escrow on any day that fits your timeline, coupled with the pressure from your bank.

Also, dependent on your tax situation, the transaction can even potentially be structured to cost you less in capital gains taxes, though please confer with your tax consultant.

Over the years of helping home owners, many investors consistently reach out to us, as they can pay cash and close escrow in a matter of days if needed.

• Short Sale

Or, even if by chance you owe more than what the home is worth, we can get the lender to accept less money than you owe, while forgiving you the unpaid balance! 

And, depending on the scenario we at times even get you some moving expenditures.

With a Short Sale we get you out of a bad loan, and at the close of escrow we can usually get the bank to pay you relocation money despite the fact that the bank is taking a loss on your loan.

We have gotten past clients $3,000 to $35,000 at the close of escrow.

This service costs you nothing as the bank reimburses our fee.

Call us now! 

The sooner we get started, the greater potential we have for the best results!

All initial consultations are free.  We work for you!  Our goal is to make you and your family happy.  

Please feel free to check our testimonials below from past clients.

Call or Text (831) 684-2000  or Call (408) 479-4920