Lakeland Funding Group

The purpose of this information is to quickly arm you with the most important information so you can make the right decisions fast.

First of all, knowing that you are having some sort of financial trouble is an emotionally charged event. Most owners in situations like yours have intense feelings of doubt, fear and anxiety. Questions arise such as:

My credit is bad… can I refinance?
My bank has already started the foreclosure, is it too late to refinance?
I can’t afford the payment that I have now. Is there any way to refinance and lower my payment?
Can we really afford to do this?
Is selling my house at this point even an option?
Are we doing the right thing?
Is bankruptcy the right option?
Are we sure about this?
And so on and so one…

We understand that potentially losing your home is an emotionally charged event! However, homeowners who let their emotions, instead of logic, invade their thoughts and decisions…generally make the biggest mistakes.

WHEN FACED WITH FORECLOSURE YOU MUST HAVE A PLAN

All decisions regarding your home affect your financial picture! Your financial picture affects all decisions regarding your home! And…most people don’t plan to fail; they simply fail to plan!

Having a plan is critical to successfully dealing with your problem, yet most people never get around to doing much, if any, planning first. So, let’s try to make things as easy as possible, and give you a suggested plan:

Is anyone protecting you? Are you getting the right advice? Just who is on your side anyways? One of the first lines of defense you can take as a homeowner is to take a hard look at who’s really helping you. Other than friends, relatives and acquaintances, you need some good sound advice, right? So, whom do you turn to? You will have to answer this question for yourself…

It’s actually surprising how many homeowners just grab the phone… and off they go on their search for a new loan. Before spending your valued time calling around in search of a new loan, call us at 888-574-7156. We know the people who can get the job done without wasting your time.

Keep in mind that banks are in the business of loaning money, in order to make lots of money. Ironically, most banks lend money to people who don’t really need it. Banks are mainly in the risk-avoidance business. I advise you to work with mortgage specialists or brokers who tend to be very motivated and work hard to help you. But, you have to be careful. Not all mortgage companies are on the up and up. Make sure that you carefully read all of the paperwork before the closing!

Decisions about interest rates, down payments, the length of the loan, escrow, points, and so on, need careful analysis BEFORE you consider refinancing your home. And, when it comes to making these choices, you need to first be aware of the alternatives and options… so you avoid making mistakes and falling even deeper into any hidden financial traps!

We have found that many homeowners are not prepared for all of these financing questions asked at their loan meeting. Nor do they have the paper work necessary for a complete loan application. These are just some of the many questions you’ll be facing… and you’ll have to have done your homework first, in order to make the appropriate decisions.

Why are you behind in your payments?
What can you do differently in the future to assure that you will not get into the same situation again?
Your income?
Number of years employed?
Self-employed?
Funds available for down payment?
Other credit problems?
How much do you want to spend each month?
What are your means of repaying the new loan?
Will you be financing for 15, 20, 25 or 30 years?
How much will you be putting down?
Do you want a fixed or adjustable rate loan?
Do you want a higher rate with fewer points, or do you want a lower rate with higher points?
And this is only the beginning

#5. DETERMINE WHAT WILL BE THE LEAST EXPENSIVE FINANCING; BOTH SHORT AND LONG TERM:

That is what you want, right? Don’t you want the loan to cost you the least? Sure… but it is also important to know HOW to make the right choices and calculations so that you DO pay the least amount possible, for both your short and long term financial standings.

Just like a Doctor, each person’s options need to be toughly diagnosed before prescribing any medication. So don’t go into the refinancing arena without first examining your present financial situation and long-term affects that refinancing can have versus other alternatives such as selling outright! You see, you must evaluate where you will be in both the long term and short term. The worst decision we see being made is where someone refinances, only to find they are right back in the same situation within the year. At this point, they typically lose it all: home, credit and self-esteem.

Sometime, conventional/normal-refinancing channels (banks, credit unions, mortgage brokers) just won’t work out for some reason or another. We’re now going to quickly take you through some various “creative financing” options. Take note of the different alternatives available too save your home…

As usual, make sure you get all of the information you need to make the right decisions, before you take and actions! There’s a bunch of ways to generate the money you need to refinance a home!

Throughout the foreclosure process, from the first notice of non-payment, all the way to receiving that dreaded letter from the lender’s law firm, I can’t stress enough the importance of getting professional help. You’ll need:

A Financial Planner: Getting financial planning advice before you even consider refinancing is the best way to go! You want to profitably position yourself for both your short and long term financial picture. This can’t be done without a financial review, and an investigation into creative options!

A Mortgage Lender: Your mortgage lender should also be motivated and willing to help you with alternative and creative financing options available.

Without preparing a “STOP THE FORECLOSURE!” plan, in our opinion, you have a very small chance of ever getting what you want! Or, you may find yourself settling for less because you didn’t know of, or thoroughly understand all the options that are available for you. As you can tell, curing a foreclosure requires a plan… and a team. A team of professionals who work FOR you, who can help you set up, and implement your coordinated plan!

You should now understand that there are many, many critical factors in determining the fate of your home ownership. There are also critical errors being made everyday such as:

We hope you have realized all the different elements involved in refinancing your home during this time of crisis. Most of all, we hope you will now know how to avoid these costly mistakes, and save yourself thousands of dollars!

As much as we would have liked to tell you that curing a foreclosure is a simpler experience and does not take skill or knowledge, we simply can’t do that for you. You must be observant, open to ideas, and plan the best moves to save your credit and your home from the inevitable.

We offer our potential clients a FREE, NO OBILGATION review of your situation. We will ask you some questions about how you feel about your current situation, and where you would like to go, and see what options we might be able to assist you with. We can look for various refinancing options available in your situation, as well as alternatives to refinancing that may be more advantageous in your circumstance. If you have decided that you don’t want to refinance and are ready to move on, our investment group may be interested in buying your home. With your property, we will probably be able to structure several options, and let you choose the best one that suits your needs.

We want to make it crystal clear that we are not going to try and sell you anything! As you can probably tell by reading the above text, that is not our goal. What we do is see if we can offer help and advice, and you decide where to go from there. If there is nothing that we can do, we will tell you so and that will be that. If we think that you are in a good position, we will tell you that. If we think you are heading into one of the biggest disasters we have ever seen and need immediate attention, we will tell you that as well.

As you will see, with all of the people that we assist, we only want to work with people we can really help and that really WANT to be helped. We are never interested in taking on new clients if they aren’t exactly right for us… and we are not exactly right for them.

In all honestly, we have been able to overcome just about every obstacle for success, both for our clients and ourselves except one: PROCRASTINATION… an enemy that is sure to kill you financially faster then anything else. As they say, “nothing will ever happen, unless you make it happen yourself!”

All it takes is simply a half hour or so for us to meet, listen to what you want to accomplish, and weigh your options. Then, whenever you are ready, you’ll know that you have a set plan to follow. You will not fall into the ‘not planning to fail…failing to plan” syndrome after your situation has been diagnosed.

If you want to take us up on the free consultation, then please take a moment to call us. If you are not interested in doing so, then we hope you’ve learned enough about the refinance process to know to make the right decisions.

If you want to come in for the free review, then contact our office and we will schedule a convenient time to meet. After all, a phone call can’t hurt, especially if you discover one, if not many ways to fix what we must assume is a tremendous burden on you and your family.

Just do yourself one favor, and don’t let procrastination, or skepticism or anything else keep you from finding out the most possibilities before you lose your home. The more information you have, the better you can make an educated decision!

Whenever you are ready, jut pick up the phone and call the office at 888-574-7156. All we ask is that you prepare yourself to learn all there is to know before giving up. That’s it. Pretty simple request, isn’t it? At that point, you’ll be well prepared to make a decision.

We will take a good hard look at your situation, and help you in finding the best paths possible to getting what you want. We can’t help you if we don’t hear from you, so call for your free review today! Thanks and we look forward to talking with you.

Whether you decide to refinance or not, be sure to call for your FREE review and consultation. In order to make the right decision, make sure that you have the right information before you make any moves!

Think about this: If you only use one method from over the dozen of ways to save money when you refinance your home, wouldn’t a half hour of your time for a thorough review be worth it? The return on your time invested is enormous! If you only use one technique, the one that saves you tens of thousands of dollars on your mortgage, think about the money saved with two, four, twelve or more of the money saving strategies we will be glad to share with you!

HOW YOU CAN STOP FORECLOSURE

HAVE INFORMATION TO MAKE THE RIGHT DECISIONS

WHEN FACED WITH FORECLOSURE YOU MUST HAVE A PLAN



		HOW YOU CAN STOP FORECLOSURE At Lakeland Funding Group, we are specialists who can share with our clients the secrets to saving their home from foreclosure. We have shown home-owners how to not only stop foreclosure, but also how to save thousands of dollars by avoiding the biggest mistakes so many others make! Many people in situations just like yours are hesitant to do anything because they are having a hard time finding out who and what to believe. Homeowners seek solutions they so desperately need… but they are surprised at how few people are aware of how to help them creatively find an answer to their problem. To begin, we don’t believe that refinancing your home is always in your best interest. Sometimes, once the potential homeowner’s financial situation is examined in both the short and long term… it may be the worst thing they could do at that particular time. Sometimes, however, refinancing your home is the best move you can make providing you…