A . Yes we can. We've been taking over these types of homes and the payments and mortgages associated with over 22 years experience. 

A. Yes. The Fresh Start Mortgage Relief Program works with so- called "non assumable" homes and mortgages.

 No. Mortgage payments can be paid by anyone. However we always notify the mortgage company or lender that future payments will be coming from us. Future monthly payments will be drawn from our account and this account will be on file with them for future reference. The mortgage company or lender are usually quite happy that the mortgage payments will be made period.

A. All notices such as monthly statements, escrow changes, payment changes, property taxes, insurance, etc are sent directly to us since we will now be making those payments.

A. Many of our clients ask this question the most. You absolutely can claim the mortgage interest on your income tax return for payments you have already made. We'll claim the mortgage interest for the time we take over and are making payments as well as future payments.  IRS allows whoever has made payments up to the time of filing to claim mortgage interest deductions.

A. As far as future maintenance and repairs are concerned we will absorb the cost of repairs and maintenance unless it is agreed to otherwise in the contract and agreement and as long as you the homeowner have disclosed all repairs and maintenance including possible future ones truthfully with full disclosure.

A. As fast as 10 days or less in some cases if the property is already unoccupied or vacant. If you are currently living in the property or you have a tenant occupying the property we will work according to your time frame and schedule. We may even accept properties with existing tenants depending on the tenant situation. If you need time to proceed slowly you can. If you want this done faster it is possible as well depending on the situation.

A . No. We charge no upfront fee's or commissions associated with these transactions. We are not realtors, we're private real estate investors. If you hire a realtor and go through a traditional closing you can expect to pay as a rule an estimated 8% to 10% of the home's purchase price for fee's and closing costs. So let's say for instance you owe $350,000 on your home, your closing costs would amount to anywhere from $28,000 to $35,000! You would not inccur these expensive closing costs with us.

Since we are real estate investors, you only pay for document preparation, transaction and recording fee's (we call them closing fee's) anywhere between $300 to $500 or less in some cases. This includes recording costs and applicable fee's charged by your local county recorder's office where the property is currently recorded and registered. You pay this within two weeks after signing the contract.T here are no hidden or unexpected costs later.

A. Our business model relies on various ways to make future mortgage payments every month until the loan can be satisfied or paid off completely. Our main focus and goal is to get the property sold and/or a payoff of the mortgage completely at some point in the future.

This falls in line with our goal AND Your goal of paying off the mortgage completely when market conditions allow.

A. You will always have the ability to call the mortgage company or lender if you so desire at anytime to check the status of payments. We also sign a legal contract and agreement with you stating that payments will be made in exchange for the property being transferred to our Trustee. After all we would not want to make monthly and future mortgage payments unless we have control of the property.

A. Almost everyone.... We are not able to help everyone but for most homeowners we can and we'll do our best. Every home and homeowners circumstances are different. We certainly can help homeowners who cannot sell their property in the traditional manner because of "upside down mortgages" or "underwater mortgages", owing more than what the property is worth or simply have a need to get out from under the home and payments NOW or in the immediate future.