We help homeowners access state grants, government programs, reinstatement loans, and alternative financing to get back on track — without going into Chapter 13 Bankruptcy.
We research and leverage all available government programs, state funds, and alternative financing options to help you reinstate your loan and lower your payments — without the burden of Chapter 13 Bankruptcy.
Government Assistance
Many states offer emergency assistance programs to help homeowners facing foreclosure. These grants can provide funds to bring your loan current, cover past due amounts, or provide temporary payment assistance.
We help identify which state programs you qualify for and assist with the application process.
Federal Program
The HUD Payment Supplement Program provides additional assistance to homeowners with FHA loans who are struggling to make payments. This can reduce your payment to an affordable level.
We help determine if you qualify and guide you through the HUD application process.
Loan Structure Solution
The Partial Lien Program allows homeowners to bring their loan current by paying a portion of the past due amount, with the remaining balance structured as a non-interest-bearing subordinate lien.
We negotiate with your lender to structure a partial lien that works for your situation.
Bridge Financing
A reinstatement loan provides the funds needed to bring your mortgage current in one lump sum. This bridges the gap between your current situation and getting back on track with your lender.
We connect you with lenders who offer reinstatement loans tailored to your needs.
When traditional financing isn't available, hard money second loans can provide the funds you need to get back on track. These short-term loans are based on your home's equity rather than your credit score.
Use Home Equity
Loans are based on 65-75% of your home's current value minus what you owe.
Quick Approval
Less documentation than traditional loans. Approval in days, not weeks.
Bring Loan Current
Use funds to pay off past dues and reinstate your mortgage.
Pro Tip: Once your loan is reinstated and you've built equity, you can refinance into a traditional loan at better rates.
Chapter 13 Bankruptcy requires a 3-5 year repayment plan, court oversight, and significant impact on your credit. Our programs offer a better path forward.
Every homeowner's situation is different. We review your circumstances and identify every program and option available to help you get back on track — without the burden of bankruptcy.
State Grants
Up to $50,000
HUD Supplements
31% of Income
Partial Lien
Deferred Balance
Hard Money
Based on Equity