Help Me Stop Foreclosure was developed to help people save or sell their homes from foreclosure. If you are in foreclosure and you are in fear of losing your home you are about to make the best foreclosure choice possible. We are interested in saving your home from foreclosure and if you can no longer afford your home and are fed up do not walk away contact us. We have a network of real estate agents that understand foreclosure and live near you. No matter your situation we are here to help stop foreclosure on your home. I know it is difficult not knowing what is going to happen to you in your time of extreme stress. Whether or not you are going to have to lose your house to foreclosure and be out on the streets. Put your trust in us and we can help stop foreclosure and we will help stop foreclosure fast. Once you fill out our form one of our Help Me Stop Foreclosure team experts will contact you and offer options to help stop foreclosure. We will not accept your case if we can not help and we understand what it takes to workout a foreclosure deal and save or sell your home. You will hear the compassion in our voices and we are truly concerned about helping stop foreclosure. There is no other company that has more experience in helping you stop foreclosure on your home. We know that you may have made some decisions that have lead you into your current foreclosure situation. We do not look at the past we have all experienced hard times we want to move forward to help you stop foreclosure. We are only concerned about creating a plan of action that is taylored for your needs. We know your biggest asset is your home and you have created an environment where your family feels safe. We want to allow you the freedom of knowing that your house is safe from foreclosure. Help me stop foreclosure is here to allow you the piece of mind that comes with stopping foreclosure and having resolution. There is no better feeling than the graditude we feel once we have helped stop foreclosure. We are here to listen to your foreclosure and life problems and want to creation a solution to help stop foreclosure on your home and you tell us the outcome you desire. No matter if you want to stop foreclosure with HSBC mortgage or EMC we are here to assist. You owe it to yourself to work with foreclosure professionals in your area. We can help stop foreclosure in your town.
Help Stopping Foreclosure
Our goals is simple, Help Stop Foreclosure. As insiders in the foreclosure business we are the best at knowing and working toward a strategy that will help stop foreclosure. We do not want anyone to lose their home to foreclosure so be sure to let people know about our service. Do not allow your home to be sold on the courthouse steps act now and let us help stop foreclosure. We have programs available to help stop foreclosure that are not know throughout the foreclosure industry. Help Me Stop Foreclosure.com is the sensible choice to save your home from foreclosure.
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Common Foreclosure Terminology
Accelerate
An option given to lenders through an "acceleration" clause in the mortgage or deed of trust requiring the borrower to pay the entire balance of the loan all at once if their loan is in default.
Affidavit
A sworn statement in writing usually given while under oath or in the presence of a notary.
Appraisal
The process in which a licensed or authorized person gives an estimate of property value.
Appreciation
The difference between the increased value of the property and the original value.
Assignment
The transfer of property to be held in trust or to be used for the benefit of the creditors (lenders).
Bid
The offered amount for a property for sale at auction.
Certificate of Sale
A document given to the winning bidder at a foreclosure sale stating their rights to the property once the borrowers redemption period has expired.
Clear Title
A title that is not burdened with defects.
Credit Bid
A bid on behalf of the lender at a foreclosure sale. The bid amount must be less than or equal to the balance of the loan in default.
Decree
A judicial decision.
Deed
A signed document that transfers ownership of property from one party to another.
Deed-in-lieu of Foreclosure
An instance where borrowers voluntarily convey their rights in a property to the lender.
Deed of Trust
A three party security instrument conveying the legal title to real property as security for the repayment of a loan. The three parties included in a deed of trust are the borrower, lender and trustee.
Default
A mortgage or deed of trust is said to be in default when the borrower fails to make the payments as agreed to in the original promissory note.
Deficiency Judgment
A personal judgment against the borrower for the remaining balance on the loan after a foreclosure sale.
Equitable Title
The present right to possession with the right to acquire legal title once a preceding condition has been met.
Fair Market Value
The price a property would sell for on the open market.
Foreclosure
The forced sale of property pledged as security for a debt that is in default.
Free & Clear
Ownership of property free of all indebtedness.
Judicial Foreclosure
A foreclosure that is processed by a court action.
Lien
A charge upon real or personal property for the satisfaction of a debt.
Legal Description
A formal description of real property sufficient to locate it by reference to government surveys or approved recorded maps.
Lender
A person who lends money for temporary use on condition of repayment with interest (i.e., the bank, mortgage company, etc.).
Lis Pendens
A recorded notice of pending lawsuit.
Mortgage
A written pledge of property that is used as security for the repayment of a loan.
Non-judicial Foreclosure
The non-judicial process of foreclosure is used when a power of sale clause exists in a mortgage or deed of trust. A "power of sale" clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of their default.
Notary
A public officer licensed by the state to attest to and certify the validity of signatures of others. A notary is often referred to as a notary public.
Notice of Sale
A notice giving specific information about the loan in default and the proceedings about to take place. This notice must be recorded with the county where property is located and advertised as stated in the security document or as dictated by state law.
Personal Property
Property other than real property consisting of things temporary or movable.
Posting
To publish, announce or advertise by physically attaching a notice to an object.
Postponement
Postponement means to put off to a later time. In the case of a foreclosure sale, this is generally done by announcement at the original sale or by posting notices establishing the new date and time the foreclosure sale will take place.
Right of Redemption
A borrower's right to reacquire property lost due to a foreclosure.
Request for Notice
A recorded document requiring a trustee send a copy of a Notice of Default or Notice of Sale concerning a specific deed of trust in foreclosure to the person who filed the document.
Subject To
The purchase of a property with an existing lien against the title without assuming any personal liability for the liens payment.
Title
The instrument that is evidence of a person's right in real property (i.e., a deed).
Trustee
A neutral party who advertises the foreclosure property for sale and conducts the auction to sell said property to the highest bidder.
Trustee Sale
An auction of real property conducted by a trustee. Also known as a Sheriff's Sale.
Upset Bid
A recorded bid placed after a foreclosure sale has ended that is higher than the highest bid received at the actual foreclosure sale.
Writ
An order or mandatory process in writing issued in the name of a court or judicial officer commanding the person to whom it is directed to perform or refrain from performing a specified act.
