“My lender states they cannot help me until I start defaulting. They told me to wait the 3 months and do everything I can to pay the mortgage…..What do you think?”

I think, TIME IS OF THE ESSENCE, if your home is not on the market and you should contact a Realtor, if in the areas we serve, contact us and we can talk further your options.

We cannot guarantee results.  We do believe if we can catch you before a notice of default goes out we can give you fighting chance for at least a short sale.

Short sales has their own peculiar issues as well but will be less damage to your credit rating.

We always recommend you touch base with your Tax Accountant or  an attorney.