Prevent Foreclosure
with Creative Loss Mitigation

More home owners went through foreclosure in 2006 than any other year, setting a new record of foreclosure filings. Many more home owners are falling behind on their monthly mortgage payments, with millions of them unable to keep up with the increased Adjustable Rate Mortgages interest rates. All market indicators show that 2007 is breaking all records with the number of home owners who will receive notices of mortgage defaults and their homes going into foreclosure.

At Creative Freedom Foreclosure Prevention, Inc. we are dedicated to keeping our clients from becoming another statistic through education and guidance. We know that bad things happen to good people and we have made it our mission to see you through whatever option should be tailored for your situation. Some services we handle in-house and some we have chosen well known, highly trusted and extremely successful companies to assist our clients. We are problem solvers and will work with you regardless of your situation to try and find a suitable resolution.

Please know that our primary goal is to keep you in your home if you have experienced a temporary hardship. Thinking you have to walk away without understanding what options are out there is the worst thing you can do.

Loss Mitigation is the art of negotiating with lenders on behalf of the home owners. Many lenders are now saying that they will work with the home owners to resolve their mortgage delinquencies, but few of them really do listen and create a plan that the homeowners can live with. In fact, it is said that 85% of the homeowners that get placed on lender determined programs fall off. In reality many never make it to the second payment.

The forbearance, or payment plan, that is presented to the troubled home owners, is usually only beneficial to the lender, who in most cases will make unreasonable demands to resolve the delinquent mortgage payments. In the event that you are not able to negotiate a settlement with your lender, they have the right to sell your home using the County Sheriff, also known as a Sheriff's Sale or proceed with the foreclosure process.

If the County Sheriff sells your home, you will be given a deadline to vacate. That does not guarantee that your responsibility to the mortgage lender will be settled. Depending on the terms of sale, you may still owe fees to your lender. Getting to that point can often be prevented by understanding your options by seeking a professional to explain the ins and outs. In any case we can review your situation to determine if you qualify for loss mitigation where a loss mitigation specialist can negotiate terms with your lender, get you back on track with your mortgage payments, and keep you in your home.

No matter what your situation, however, we can help. We provide Foreclosure Prevention Services as a team of professionals, all working together to help you stop the foreclosure process on your home. As the dominant force in the Foreclosure Prevention / Loss Mitigation industry, you can feel secure knowing that the most experienced foreclosure resolution specialists are working for you, not the lenders.

If you're considering filing for bankruptcy, WAIT! Our Free Online Application process is quick, easy and a much better choice than bankruptcy. You can also call our education hotline by visiting the "Contact Us" page.

Learning if you qualify for our assistance can be done within 24-48 hours, starting with the Free Online Application.

Do You Know What Options You Have?