1.  Learn About Our Program and Loan Workout Options We encourage homeowners to learn about our program and possible loan workout options by reviewing our website or contacting a Home Retention Specialist who can answer any questions you have.

2.  Enroll in our Program If you decide to enlist our services, you can register on-line via our website or by calling our toll free number. A Home Retention Specialist will be assigned to your case who will work with you every step of the way to ensure that you have the information, tools and resources to succeed.

Remember, there are no upfront fees with our program and we only receive payment at time of escrow for a successful closure of a home retention or workout solution that avoids foreclosure. To get started with the program, you will need to complete, sign, and fax to us the: Home Retention Advantage Agreement which details our services, our fees, and your responsibilities under the program. A Third Party Authorization form that gives us permission to negotiate with your lender on your behalf. Please ensure that you thoroughly review and understand all documents that you sign as part of the program. It is also very important that any information provided to us by you is truthful and accurate.

3.  Develop and document a Workout Solution Our home retention specialists will work with you to compile a work out application for submission to your lender. We will provide a checklist of all necessary documents that will need to be included in the completed packet. You will need to gather information and documents that explain your financial situation including your income, expenses, and assets. Documentation such as pay stubs, tax returns, credit card statements, utility bills, etc will be needed as part of this process. A hardship letter will need to be developed explaining why you are not able to make your loan payments. You will need to complete lender specific workout forms that we have on-hand.

4.  Presentation and Negotiation with Lenders Our Home Retention Specialist takes over the process from here. We present your loan workout package to the lender and review your financial situation, information and propose possible workout solutions with their staff. We use our best efforts to vigorously and successfully seek an offer from the lender targeting affordable and sustainable payment terms. In some cases the lender may be unable or unwilling to make a financial concession large enough to allow you to stay in your home. If this takes place, we will help you explore the available options for surrendering your home in a manner that is most advantageous for you. Although this process can be confusing and overwhelming for homeowners, we have the training, licensing and experience to represent you every step of the way. Our Home Retention Specialists are fully licensed by the California Dept. of Real Estate and have at least 5 years of experience managing transactions in the housing industry. Our staff has received extensive training in managing mortgage workout solutions including formal Early Intervention and Loss Mitigation coursework.

5.  Communication and Follow-up Throughout the negotiation process, we will provide regular communications and status updates to homeowners and lenders via our website and by phone.

6.  Closing through Escrow When a satisfactory home retention or workout solution has been achieved on behalf of the homeowner, an escrow account will be established by us using an independent escrow agent. The escrow agent will coordinate the signing of your home retention or workout solution documents with you and a Notary Public in your area. At the time of signing your home retention or workout solution documents, our full fee is due. Once the documents have been signed, notarized, and our fee received, the home retention or workout solution package will be sent back to the lender to initiate the terms.