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FAQs

1️⃣ What if my credit score is in the low 400s — can you still help me?

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Answer:
Yes — absolutely. Many of the solutions we offer are not credit-based.

We focus more on:

  • Your home’s equity position 

Even homeowners with very low credit scores still have options. Our job is to review your situation and match you with the strategy that gives you the best chance to keep your home or protect your equity.

2️⃣ What can you actually do to help me?

Answer:
Every situation is different — so we don’t offer “one-size-fits-all” solutions.

After reviewing your case, we determine what option fits best, such as:

  • Loan restructuring or payoff solutions

  • Equity-based refinance options

  • Sale postponement strategies

  • Private funding solutions

  • Creative retention or exit strategies

Our goal is simple:
Stop the foreclosure pressure and create a plan that works for YOU.

3️⃣ How much do your services cost?

Answer:
Great question — and we keep this very simple.***FREE CONSULTATION***

There are no upfront out-of-pocket fees.

If we move forward with a solution, costs (if any) are typically built into the transaction — not something you pay upfront. While you’re already in a hardship, our focus is helping you find a resolution first — not adding financial pressure.

4️⃣ I live outside of California — can you still help me?

Answer:
Yes — we can still review your situation and see how we can assist.

However, since foreclosure laws vary by state, our direct resources are more limited outside California.

Here’s what we can still do:

  • Review your foreclosure status

  • Analyze equity and loan position

  • Explore funding or payoff solutions

  • Connect you with vetted partners if needed

First step is always the same:
We evaluate your situation and determine what’s possible.

5️⃣ If I move forward, how long does the process take?

Answer:
Timelines vary depending on the solution — but most of our resolution strategies move quickly.

Many of our solutions average:

🗓️ Around a 30-day process

Some may move faster depending on:

  • Sale date urgency

  • Document turnaround

  • Lender response times

Our priority is acting fast to protect your home and your equity.

6️⃣ I don’t want bankruptcy on my record — is there another way to postpone my sale date?

Answer:
Yes — bankruptcy is not the only option.

There are strategic alternatives that may delay a foreclosure sale without placing bankruptcy on your record.

One of the most common is:

AB-2424 Postponement

7️⃣ Do you offer loans to bring my payments current?

Answer:
YES.

In many foreclosure cases, lenders or investors must pay off the existing loan in full — not just the past-due amount.

This can:

  • Consolidate what you owe

  • Stop foreclosure immediately

  • Prevent you from juggling multiple payments

In some cases, secondary financing options exist — but we review that case-by-case to avoid overcomplicating your situation.

8️⃣ What if I’m already in foreclosure — is it too late?

Answer:
No — it’s often not too late.

We’ve helped homeowners at many stages, including:

  • Notice of Default

  • Notice of Sale

  • Active auction timelines

The sooner you reach out, the more options we can explore — but even last-minute situations may still have solutions.

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