I CAN HELP TO STOP FORECLOSURES                                                              back to HOME

If you are at least 30 days late on your mortgage...

You may have lots of questions about what is a legitimate option.
You may be nervous about the uncertainty of your future. 
You may be embarrassed to talk about personal financial hardships. 
You may not know who you can turn to for real solutions.

Did you know...

Under H.R. 3648, the federal government signed into law that the IRS will not require homeowners to claim the mortgage debt forgiven as personal income on their taxes, when they go through the proper process.

But time is running out on the law which allows you to eliminate being taxed on the debt forgiven by your mortgage company.

Our mission with Program 3648 is to help local homeowners avoid foreclosure and take advantage of the programs that have been instituted to help them. We realize that the only way that we can accomplish this goal, is through agents that are willing to go directly to homes, hold homeowners hands, and walk them through the process of working with their lender, and proactively remedying the problems that a surge of foreclosures will create.

My services are FREE.  I am a program administrator for Box Elder county that is assigned to do all the work for you.   My team is currently helping many homeowners receive the debt forgiveness outlined in H.R. 3648. 

Because my services are FREE, I work on a first come first served basis. This means that the longer you wait, the less likely I will have time to help you.

You probably have lots of questions.  Call now to discuss more options.  435-720-7333

Do you qualify for assistance from Program HR 3648?

Answer these questions to find out:

1. Is the mortgage you are having problems with your primary residence?  
Yes   No
2. Have you missed any mortgage payments?  
  Yes   No
3. Do you anticipate having difficulties making your mortgage payments moving forward?  
Yes   No
4. Do you believe that the amount you owe on your mortgage(s) is greater than the current value of your home?   
Yes   No
5. Have you received a forclosure notice (Notice of Default or Lis Pendens) from your lender?   
Yes   No
6. Are you considering or currently in bankruptcy?  
Yes   No
7. Have you attempted to work with your mortgage company to resolve your situation? 
Yes   No
8. Have you attempted to refinance or modify your loan and been denied?   
Yes   No
If you answered YES to any of these questions then we should talk to help you understand more about your options.