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337. HSBC - HFC & Beneficial
336. JPMorgan Chase - Warehouse
335. Ameritime Mortgage Co. LLC
334. Perfect FHA - Wholesale
333. EquiFirst
332. Residential Loan Centers of America
331. CU National Mortgage
330. Colonial National Mortgage - Wholesale
329. U.S. Mortgage Corp. - Retail
328. First Interstate Financial - Wholesale
327. Realty Mortgage Corp.
326. Vertice
325. USA Home Loans - Wholesale
324. SunTrust Mortgage - FHA Wholesale
323. New South Federal Savings Bank - Wholesale
322. First Federal - Wholesale
321. 21st Mortgage - Wholesale
320. J.B. Nutter & Co. - Wholesale
319. Homebridge Mortgage Bankers - Refinance.com
318. 1st Republic Mortgage Bankers
317. Superior Mortgage Corp - Wholesale
316. Wall Street Financial Corp - Wholesale
315. Fairfield Financial Mortgage Group
314. Chase Prime - Wholesale
313. Sunshine & Madison Mortgage Corp
312. Liberty One Lending
311. Frontier Investment Co.
310. BankUnited - Wholesale
309. Solstice Capital Group - HSBC
308. MortgageIT
307. HCL Finance Inc. - Wholesale
306. LIME Financial Svcs. - Wholesale
305. Mortgage Network Inc. - Wholesale
304. Fortes Financial - Wholesale
303. HSBC Mortgage Corp. - Wholesale
302. CBRE Realty Finance
301. Franklin Bank, SSB
300. Mortgage Lion, Inc. - Wholesale
299. HMS Capital, Inc.
298. American Sterling Bank - Wholesale
297. CTX Mortgage Co. - Retail
296. Equity One Commercial
295. Coldstream Financial Svcs.
294. Banco Popular North America - Wholesale
293. Ace Mortgage Funding, LLC
292. E-Loan
291. Gateway Bank, F.S.B. - Wholesale
290. First Call Mortgage Co.
289. Downey Savings and Loan - Wholesale
288. Prospect's Metrocities Mortgage - Wholesale
287. ComCor Mortgage - Wholesale
286. Chevy Chase Bank - Wholesale
285. Washington Mutual - Retail and Warehouse
284. Hometown Commercial Capital
283. Mid Atlantic Capital LLC
282. Kemper Mortgage, Inc.
281. Liberty Mortgage Funding Co.
280. Freddie Mac
279. Fannie Mae
278. Pacific Community Mortgage, Inc. - Gold Reverse, Inc.
277. Homecomings Financial, LLC
276. Thornburg Mortgage
275. CSB Mortgage
274. Carteret Mortgage Corporation
273. Accredited Home Lenders, Lone Star Funds - Wholesale
272. Western Residential Mortgage
271. Liberty Home Lending
270. Equipoint Financial Network, Inc.
269. Ideal Mortgage Bankers, Ltd. - Wholesale
268. Silver State Bank - Wholesale
267. Irwin Union Bank & Trust Co. - Wholesale
266. SunTrust Bank Equity Wholesale
265. Wachovia Mortgage, FSB - Wholesale
264. Lehman Brothers SBF
263. IndyMac Bancorp
262. Mortgages Ltd.
261. Wilmington Finance - Wholesale
260. Accredited Home Lenders, Home Funds Direct
259. Assured Lending Corp. - Wholesale
258. Homewide Lending Corporation
257. Vanguard Mortgage & Title, Inc.
256. Chase Home Equity - Wholesale
255. Chase Subprime - Wholesale
254. Evergreen Investment & Carnation Banc
253. Casa Blanca Mortgage/Shearson - Wholesale
252. Guaranty Bank - Correspondent
251. Citi Residential Lending
250. Montgomery Mortgage Capital Company
249. E*Trade Wholesale Lending
248. Shearson Financial Network, Inc.
247. American Bank Mortgage Group - Wholesale
246. AmeriBanc Corp.
245. Washington Mutual - Wholesale
244. Century Bank, F.S.B. - Wholesale
243. Diversified Mortgage, Inc.
242. National Wholesale Funding
241. Centennial Mortgage and Funding, Inc./Award Mortgage
240. Fidelity Home Mortgage Corp.
239. LMI Funding, Inc.
238. Millennium Mortgage - Wholesale
237. Origen Financial, Inc. (Correspondent)
236. CitiMortgage - Home Equity Wholesale
235. Bear Stearns Residential Mortgage
234. East West Mortgage Co. of VA
233. New Vision Residential Lending
232. Washington Savings Bank, F.S.B. - Wholesale
231. Macquarie Mortgages USA Inc.
230. Global Mortgage, Inc.
229. Unique Mortgage Solutions (UMS, LLC)
228. First Franklin - Merrill Lynch
227. First National Mortgage Sources
226. Resource Mortgage (Wholesale)
225. KH Financial
224. Lydian Mortgage
223. OMG Wholesale Lending
222. Saxon Mortgage (Wholesale)
221. Beazer Mortgage Corp.
220. Allpointe Mortgage (Broker Program)
219. Popular Warehouse Lending
218. Allied Lending Corp. (Wholesale)
217. BF Saul Wholesale Lending
216. Community Resource Mortgage
215. Lehman/Aurora Loan Services
214. Residential Mortgage Capital
213. Maverick Residential Mortgage
212. Countrywide Financial Corp.
211. First NLC Financial Services
210. First American Bank (Wholesale)
209. Soma Financial
208. National City Corp. (Wholesale)
207. Heartland Wholesale Funding
206. Homefront Mortgage Inc.
205. PNC Bank H.E.
204. Family First Mortgage Corp.
203. First Fidelity Financial
202. BSM Financial
201. 1st Choice Mortgage
200. Wescom Credit Union
199. Coast Financial Holdings/Coast Bank
198. WaMu (Subprime)
197. First Madison Mortgage
196. Southern Star Mortgage
195. TransLand Financial
194. Secured Bankers Mortgage Company (SBMC)
193. ComUnity Lending
192. Delta Financial Corp
191. BayRock Mortgage
190. Empire Bancorp
189. Option One - H&R Block
188. Citigroup - FCS Warehouse
187. Charter One (Wholesale)
186. Wells Fargo - Home Equity
185. Paul Financial, LLC
184. Webster Bank (Wholesale)
183. Fieldstone Mortgage Company
182. Tribeca Lending Corp. (Wholesale)
181. WAMU Comm. Correspondent
180. Marlin Mortgage Company
179. Countrywide Specialty Lending
178. UBS Home Finance
177. MortgageIT-DB (Retail)
176. Edgewater Lending Group
175. ResMAE Mortgage Corp.
174. Citimortgage Correspondent (2nds)
173. AMC Lending
172. Liberty American Mortgage
171. Exchange Financial (Wholesale)
170. FirstBank Mortgage
169. Bank of America (Wholesale)
168. Diablo Funding Group Inc.
167. Honor State Bank
166. Spectrum Financial Group
165. Priority Funding Mortgage Bankers
164. BrooksAmerica Mortgage Corp.
163. Valley Vista Mortgage
162. New State Mortgage Company
161. Summit Mortgage Company
160. WMC
159. Paragon Home Lending
158. First Mariner Wholesale
157. The Lending Connection
156. Foxtons, Inc.
155. SCME Mortage Bankers
154. Aapex Mortgage (Apex Financial Group)
153. Wells Fargo (various Correspondent and Non-prime divisions)
152. Nationstar Mortgage
151. Decision One (HSBC)
150. Impac Lending Group
149. Long Beach (WaMu Warehouse/Correspondent)
148. Expanded Mortgage Credit Wholesale
147. The Mortgage Store Financial
146. C & G Financial
145. CFIC Home Mortgage
144. All Fund Mortgage
143. LownHome Financial
142. Sea Breeze Financial Services
141. Castle Point Mortgage
140. Premium Funding Corp
139. Group One Lending
138. Allstate Home Loans / Allstate Funding
137. Home Loan Specialists (HLS)
136. Transnational Finance Wholesale
135. CIT Home Lending
134. Capital Six Funding
133. Mortgage Investors Group (MIG) - Wholesale
132. Amstar Mortgage Corp
131. Quality Home Loans
130. BNC Mortgage (Lehman)
129. First National Bank of Arizona
128. Chevy Chase Bank Correspondent
127. GreenPoint Mortgage - Capital One Wholesale
126. NovaStar, Homeview Lending
125. Quick Loan Funding
124. Calusa Investments
123. Mercantile Mortgage
122. First Magnus
121. First Indiana Wholesale
120. GEM Loans / Pacific American Mortgage (PAMCO)
119. Kirkwood Financial Corporation
118. Lexington Lending
117. Express Capital Lending
116. Deutsche Bank Correspondent Lending Group (CLG)
115. MLSG
114. Trump Mortgage
113. HomeBanc Mortgage Corporation
112. Mylor Financial
111. Aegis
110. Alternative Financing Corp (AFC) Wholesale
109. Winstar Mortgage
108. American Home Mortgage / American Brokers Conduit
107. Optima Funding
106. Equity Funding Group
105. Sunset Mortgage
104. Nations Home Lending
103. Entrust Mortgage
102. Alera Financial (Wholesale)
101. Flick Mortgage/Mortgage Simple
100. Dollar Mortgage Corporation
99. Alliance Bancorp
98. Choice Capital Funding
97. Premier Mortgage Funding
96. Stone Creek Funding
95. FlexPoint Funding (Wholesale & Retail)
94. Starpointe Mortgage
93. Unlimited Loan Resources (ULR)
92. Freestand Financial
91. Steward Financial
90. Bridge Capital Corporation
89. Altivus Financial
88. ACT Mortgage
87. Alliance Mortgage Banking Corp (AMBC)
86. Concord Mortgage Wholesale
85. Heartwell Mortgage
84. Oak Street Mortgage
83. The Mortgage Warehouse
82. First Street Financial
81. Right-Away Mortgage
80. Heritage Plaza Mortgage
79. Horizon Bank Wholesale Lending Group
78. Lancaster Mortgage Bank (LMB)
77. Bryco (Wholesale)
76. No Red Tape Mortgage
75. The Lending Group (TLG)
74. Pro 30 Funding
73. NetBank Funding, Market Street Mortgage
72. Columbia Home Loans, LLC
71. Mortgage Tree Lending
70. Homeland Capital Group
69. Nation One Mortgage
68. Dana Capital Group
67. Millenium Funding Group
66. MILA
65. Home Equity of America
64. Opteum (Wholesale, Conduit)
63. Innovative Mortgage Capital
62. Home Capital, Inc.
61. Home 123 Mortgage
60. Homefield Financial
59. First Horizon Subprime, Equity Lending
58. Platinum Capital Group (Wholesale)
57. First Source Funding Group (FSFG)
56. Alterna Mortgage
55. Solutions Funding
54. People's Mortgage
53. LowerMyPayment.com
52. Zone Funding
51. First Consolidated (Subprime Wholesale)
50. SouthStar Funding
49. Warehouse USA
48. H&R Block Mortgage
47. Madison Equity Loans
46. HSBC Mortgage Services (correspondent div.)
45. Sunset Direct Lending
44. Kellner Mortgage Investments
43. LoanCity
42. CoreStar Financial Group
41. Ameriquest, ACC Wholesale
40. Investaid Corp.
39. People's Choice Financial Corp.
38. Master Financial
37. Maribella Mortgage
36. FMF Capital LLC
35. New Century Financial Corp.
34. Wachovia Mortgage (Correspondent div.)
33. Ameritrust Mortgage Company (Subprime Wholesale)
32. Trojan Lending (Wholesale)
31. Fremont General Corporation
30. DomesticBank (Wholesale Lending Division)
29. Ivanhoe Mortgage/Central Pacific Mortgage
28. Eagle First Mortgage
27. Coastal Capital
26. Silver State Mortgage
25. ECC Capital/Encore Credit
24. Lender's Direct Capital Corporation (wholesale division)
23. Concorde Acceptance
22. DeepGreen Financial
21. American Freedom Mortgage, Inc.
20. Millenium Bankshares (Mortgage Subsidiaries)
19. Summit Mortgage
18. Mandalay Mortgage
17. Rose Mortgage
16. EquiBanc
15. FundingAmerica
14. Popular Financial Holdings
13. Clear Choice Financial/Bay Capital
12. Origen Wholesale Lending
11. SecuredFunding
10. Preferred Advantage
9. MLN
8. Sovereign Bancorp (Wholesale Ops)
7. Harbourton Mortgage Investment Corporation
6. OwnIt Mortgage
5. Sebring Capital Partners
4. Axis Mortgage & Investments
3. Meritage Mortgage
2. Acoustic Home Loans
1. Merit Financial

"What We Do...
And How We Do It"

Foreclosure Option Timeslines, Costs and Qualifications
FORECLOSURE
OPTION
SELL
SAVE
TIME FRAME
COST
QUALIFICATIONS
Sell (Traditional Sale)
X

1-6 MONTHS (depending on market conditions)
VARIES - Realtors commissions, holding costs, insurance cost, taxes and maintenance costs)
Retail Buyers: The home must show well, with little repairs and in a decent neighborhood. There must be little to no other homes for sale on the block.

Investors: We buy in any area, any condition, any size shape or fashion. All cash or terms!
Lease With Option To Purchase
X
3-5 Years $0.00 Must Have Some Equity and Favorable Financing In Place.
Assumption
X

30-45 Days (Your loan must be assumable)
Closing Costs, Seller Concessions
New buyer assumes your loan. It must be a current loan and the new buyer must qualify. They assume your current rate so it must be attractive.
Deed in Lieu
X

3-6 MONTHS
$500 - $1K w/attorney or FREE through your lender
Must Be Behind On Mortgage
Short Sale (Second Only)

X

3-9 MONTHS (depending on lender and if a buyer is lined up)

You Must Pay The Shorted Balance Of The Note Which Is Usually 2-10% Of The Original Balance
You must have a valid hardship. You must reveal your pay stubs, tax returns, and banking statements. Hire a realtor or an investor who's done many deals in your market. You don't have to be late on payments.
Short Sale
X

3-9 MONTHS (depending on lender and if a buyer is lined up)
FREE

You must have a valid hardship. You must reveal your pay stubs, tax returns, and banking statements. Hire a realtor or an investor who's done many deals in your market. You don't have to be late on payments.
Reinstatement

X
2 WEEKS - 3 MONTHS

FREE
through your lender
Bank Guidelines
Forbearance

X
1 - 3 MONTHS

$500.00 or FREE through your lender
Bank Guidelines
Repayment plan

X
1 - 3 MONTHS

FREE through your lender
Bank Guidelines
Loan Modification

X
3 MONTHS - 2 YEARS
$2-6k or FREE through your lender
Bank Guidelines
Partial Claim

X
1 - 3 MONTHS
FREE
The Loan must be at least four months but no more than 12 months past due. Loan cannot be in foreclosure. Pay FHA balance in full when you sell, You must exhaust at least one other option first to qualify
Short Refinance
X

3-6 MONTHS (depending on packaged loan group)
1-2k
Pay a fee to a private firm and they will refinance your loan to 95% of today's value and "Short Payoff" your current loan.
Refinance

X
14 - 31 DAYS (depending on your credit)
Pay loan origination costs, title fees, escrow fees, You can't be flipped on value unless your prepared to pay a lot of money out of pocket.
Good Credit and Equity In The Home
Rent/Lease

X
14 - 31 DAYS (depending on your tenants credit and marketability of your home)
Pay advertising fees, Realtor fees, risk of damage to the property and inconvenience of leaving for short time frame or FREE when you use my management company.

Liquidate/Leverage

X
IMMEDIATE (other monetary accounts such as IRA's, Annuities, and Bonds may take time to cash out)

Pay in form of losses on sale of household items such as cars, furniture, collectibles and monetary assets, don't sell things attached to the property in foreclosure!
You Must Have Things That Are Valuable and Can Be Sold Quickly
Bankruptcy
X
X
3-6 MONTHS
$500 - $3000
Your lender may opt to bring the home out of the case and foreclosure or wait till after the discharge and foreclosure anyway. This is a stall tactic for the inevitable.
Hard Money Loan

X
7-15 DAYS

Pay an origination cost of 3-8% of the loan amount in the form of points upfront and P&I will be high. You must have at a minimum of 70% equity including the new Hard Money loan.
30% or More Equity In The Home
Seller Carry Notes
X

3-5 DAYS
You sell the property as the "bank" you finance the buyer until the buyer buys the home at a future date usually 5-7 years **Not to be confused with loan assumption or subject 2.
Equity In The Property That You Can "Carry" As A Owner Financed Mortgage.
Private Money Lenders

X
3 - 14 DAYS

Pay origination costs, usually 1-5% upfront points, and 6-10% interest, balloon payments/interest only payments. You must have at a minimum of 70% equity including the new Private Money loan.
50% Equity Or More
Right To Rescind

X
1 YEAR
Up To 12 Months
In many states you can "cure" the loan after the foreclosure. **Not available in Arizona.
Truth In Lending Act

X
3-6 Months (depending on law firm)
$1000.00-$1500.00
They will search for errors in your original loan documents. Between 80-90% of loans originated from 2002-2007 have severe and significant errors!
Home Auction
X

1 DAY SALE - 30 - 60 days of marketing
Not Available at this time
Not Available at this time
"Subject To"
X

3-5 BUSINESS DAYS
$0.00
You sell us your property and we pay you current and take over your payments going forward.

RandyHelpsHomeowners.com
Real Estate Solutions, Right Now!

Stop Foreclosure Arizona!
602-492-4259

Stop Foreclosure Arizona! | Avoid Foreclosure Phoenix! | Foreclosure Relief and Assistance | Sell Your Home | We Buy Real Estate | Buy Foreclosures

Stop Foreclosure - Avoid Foreclosure Foreclosure Relief and Assistance

Arizona Foreclosure Help and Assistance - Short Sale Your Home Fast!

No Fees, No Commissions, Fast Closings Call 602-492-4259