Foreclosure is something that many people think can never happen to them.  The reality is it can happen to
anyone.  There are many reasons that may leave us forcing foreclosure:

Rising Interest Rates
Unemployment
Personal Tragedy
Health Problems
Death of a Family Member
These are just some of those very real reasons.  In desperate times, the last thing we need is to lose our homes
and potentially break up our families.

We are committed to assisting you with keeping your home.  We will act on your behalf and negotiate with your
lender.  Whether your goal is to stay in your home or simply get out of it without going through foreclosure, or if
you just want to sell the property  ... We can help make it a reality.  CALL Mr. ANTONY AT: 786-709-6577
FORECLOSURE
ALTERNATIVES TO FORECLOSURE
STEPS TO TAKE TO AVOID FORECLOSURE, AND STAY OUT OF IT.

CURES FOR THE FORECLOSURE EPIDEMIC; YOU NEED TO UNDERSTAND THE PROCESS IN ORDER TO
SOLVE THE PROBLEM?
BOWERS SHOULD EVERYTHING THEY CAN TO AVOID FORECLOSURE WHICH IS ONE OF MOST
DAMAGING EVENTS THAT CAN OCCUR AN IN INDIVIDUAL'S CREDIT HISTORY.

Knowledge Financial Group & Investment is there to help you save your home,  and save your credit.

IMPORTANT STEPS IN A FORECLOSURE PROCESS.

Do not ignore the letters from your lender, if you having problems making your payments, call or write
your lender's loss mitigation department without delay.
Explain your situation be prepared to provide them with financial information such as your monthly
income and expenses.

Stay in your home because you may not qualify for assistance if you abandon the property.

Also you can contact the housing counseling agency by calling: [800]569-4287
they frequently have information on services and programs that could help you.

-
IN FORECLOSURE;YOUR NUMBER ONE ALTERNATIVE IS:

SPECIAL FORBEARANCE

YOUR LENDER MAY BE ABLE TO REARRANGE A PAYMENT PLAN FOR YOU, DEPENDING  YOUR
FINANCIAL SITUATION. AND MAY EVEN PROVIDE  FOR A TEMPORARY REDUCTION OR SUSPENSION
OF YOUR PAYMENTS.

YOU MAY QUALIFY FOR THIS IF YOU ARE RECENTLY EXPERIENCED A REDUCTION IN INCOME OR
INCREASE IN LIVING EXPENSES.

YOU MUST FURNISH INFORMATION TO YOUR LENDER TO SHOW THAT YOU WOULD BE ABLE TO MEET
THE NEW PAYMENT PLAN.
-------------------------------------------------
ALTERNATIVE NUMBER TWO:

MORTGAGE MODIFICATION
YOU MAY BE ABLE TO REFINANCE YOUR THE DEBT AND/OR EXTEND THE TERM OF YOUR MORTGAGE
LOAN.
THIS MAY HELP YOU CATCH UP BY REDUCING THE MONTHLY PAYMENTS TO A MORE AFFORDABLE
LEVEL
YOU MAY QUALIFY IF YOU ARE RECOVERING FROM A FINANCIAL PROBLEM AND CAN AFFORD THE
NEW PAYMENT AMOUNT.
-----------------------------------------



ALTERNATIVE NUMBER THREE

PARTIAL CLAIM

YOUR LENDER MAY BE ABLE TO WORK WITH YOU TO OBTAIN A ONE-TIME PAYMENT FROM FHA
INSURANCE FUND TO BRING YOUR MORTGAGE CURRENT.
YOU MAY QUALIFY IF: YOUR LOAN IS AT LEAST FOUR MONTHS DELINQUENT BUT NO MORE THAN
TWELVE MONTHS.

WHEN YOUR LENDER FILES A PARTIAL CLAIM, THE US DEPARTMENT OF HOUSING AND URBAN
DEVELOPMENT WILL PAY YOUR LENDER THE AMOUNT NECESSARY TO BRING YOUR MORTGAGE
CURRENT.
YOU MUST EXECUTE A PROMISSORY NOTE; THIS SHOULD BE PAID IN FULL LATER TO REMOVE THE
LIEN.
THE PROMISSORY NOTE IS INTEREST FREE AND DUE WHEN YOU OFF THE FIRST MORTGAGE OR
WHEN YOU SELL THE PROPERTY.
ALTERNATIVE NUMBER FOUR:

PRE-FORECLOSURE SALE

THIS WILL ALLOW YOU TO AVOID FORECLOSURE BY SELLING YOUR PROPERTY, USUALLY FOR AN
AMOUNT LESS THAN THE AMOUNT NECESSARY TO PAY OFF YOUR MORTGAGE LOAN.

YOU MAY QUALIFY FOR THIS IF THE LOAN IS AT LEAST TWO MONTHS DELINQUENT AND IF YOU WILL
BE ABLE TO SELL THE PROPERTY WITHIN 3 TO 5 MONTHS.
-----------------------------------------------
ALTERNATIVE NUMBER FIVE:

DEED IN LIEU OF FORECLOSURE

AS LAST RESORT, YOU MAY BE ABLE TO VOLUNTARILY GIVE BACK YOUR PROPERTY TO THE
LENDER. THE ONLY ADVANTAGE IN THIS: IT IS NOT DAMAGING YOUR CREDIT AS MUCH AS
FORECLOSURE.
-------------------------------------
PURCHASING A FORECLOSURE!

A foreclosure sale is a proceeding in which a bank (or other secured creditor) sells real property at
auction due to the property owner's failure meet his or her obligations under the mortgage. Bidding at a
foreclosure sale can be a good way to find and purchase affordable property but it does bear some
risks. Here are some tips to assist you in bidding at a foreclosure sale.
------------------------------------------------
WWW.KNOWLEDGEFINANCIAL.COM
WWW.KNOWLEDGEFINANCIAL.COM
FORECLOSURE ALTERNATIVE, TIPS TO AVOID THIS NIGHTMARE.  BUT FORECLOSURE  IS A GREAT WAY TO INVEST IN REAL ESTATE AND MAKE BIG PROFITS; GREAT DEALS,
BARGAIN, BARGAIN.  JUST TRY IT!  WE CAN ASSIST YOU.  WE KNOW FORECLOSURE AND WE KNOW IT GOOD

KNOWLEDGE FINANCIAL.COM
The United States has experienced a truly remarkable boom in the housing market over the last few
years. Now that the market is undergoing a correction though, many families are in increased danger
of losing their homes to foreclosure. While foreclosure may be a scary prospect, it's by no means
inevitable if you're willing to allow us to work with your lending institution to come up with a solution
that allows you to still make payments in the face of whatever kind of financial hardship you may have
encountered.
Be able to get your existing lending institution to accept a payment that's less than the amount that you originally borrowed to
pay off the mortgage. This effectively lessens the able to get your existing lending institution to accept a payment that's less
than the amount that you originally borrowed to pay off the mortgage. This effectively lessens the amount that you'll have to pay
back! Don't lose your home to foreclosure, contact us for a free consultation today!
amount that you'll have to pay back! Don't lose your home to foreclosure, contact us for a free consultation today!


Another possibility is to modify your existing mortgage. With mortgage modification, we deal with your lender so that you and
your lender can agree to a lower interest rate or a longer payback period. It's a lot like refinancing, but without having to get
another lender involved.

The least favorable possibility, but one that's better than foreclosure, is to sell your house. If you really can't make the
payments, and probably won't be able to make the payments for the foreseeable future even with refinancing or mortgage
modification, we can ask your lender to suspend payments while you're actively trying to sell your house. Once the house is
sold, the proceeds of the sale are used to pay off the lender. This is a much more satisfactory situation for the lender than
foreclosure because the lender is likely to get more money out of it, and it's a better situation for you because your credit and
dignity are preserved.

Regardless of the nature of your money problems there are a few things that you need to do. First, you should contact us  AT
786-709-6577 -SOUTH FLORIDA and tell us about your situation as soon as possible. The next thing that you should do is start
to cut out unnecessary expenses.

Cutting your spending is extremely important when it comes to showing your lender that you're serious about doing your part
to keep your home. A lender will be much less likely to let you skip payments or give you a lower interest rate if it sees that
you're continuing to spend money .
REAL ESTATE FINANCING, MORTGAGE & LOANS
HOME REFINANCING, HOME EQUITY
FHA  MORTGAGE LOAN PROGRAMS.

South Florida, contact us at:  786-709-657

WE ARE licensed mortgage broker
HOME BUYING:  LET US HELP YOU FIND THE
PROPERTY YOU WANT FOR THE PRICE YOU
CAN AFFORD IN THE AREA YOU DESIRE.

CALL Mr. ANTONY A PROFESSIONAL
REALTOR AT:  786-709-6577
----Fortune International Realty
LET US HELP YOU SELL YOUR PROPERTY
FAST AND QUICK FOR THE TOP PRICE!

WE USE MULTI-MARKETING TECHNIQUES
WITH PROFESSIONALISM AND EXPERTISM.

YES WE CAN SELL YOUR PROPERTY.. CALL
US AT:  786-709-6577 ---South Florida
ATTENTION SELLERS?

BY LETTING US LIST YOUR
PROPERTY :
IS MORE EXPOSURE,   

MORE SHOWINGS,

MORE OFFERS,

AND MORE MONEY FOR YOUR
PROPERTY.

CALL A PROFESSIONAL
REALTOR AT: 786-709-6577
---South Florida
FORECLOSURE
FORECLOSURE INVESTING THE MONEY MAKING MACHINE
Investors all across the country are making millions in foreclosures… AND SO CAN YOU!

DO YOU WANT TO MAKE A LOT OF MONEY? ------- Investing in forecloses could  be the fast-tract to
riches for you.
Let us show you  how this investment strategy  can change your financial life forever!
-------------------------------------------------------------------------------------------------------------------------------------------------------

FORECLOSURE INVESTING
The current rise in foreclosures is an incredible Opportunity for you to achieve the  dream and life
you’ve always dreaming about.

Now you need to team up with Foreclosure Real Estate Expert to assist you.  
--------------------------------------------------------------------------------------------------------------------------------
FORECLOSURE INVESTING
We know where and how to find the best Foreclosure properties in any geographic area even before
they come out to public.

Take the hot investing opportunities before anyone else does;
There are ways to make money at eve stage of foreclosure
---------------------------------------------------------------------------------------------------------
FORECLOSURE INVESTING
We will show you the strategies on about when and how to make a move and how to capitalize and
maximizing your profits.
---------------------------------------------------
FORECLOSURE INVESTING
Right now there are literally thousands of under-value properties your area perhaps many are in your
area-ready to be purchased for below market value. With
the up to the minute strategies, knowledge, and expertise we provide. You will be able to take
advantage of the current foreclosure money making machine.
--------------------------------------------
Once you have the foreclosure property you can: Rent it, Lease it, Renovate it, Refinance it, or Sell
immediately and Reinvest.

CONTACT US AT: 786-709-6577---SOUTH FLORIDA
REAL ESTATE: BUYING, SELLING, LEASING A PROPERTY IN SOUTH FLORIDA.
CALL A PROFESSIONAL REALTOR AT: 786-709-6577 -- FROM FORTUNE INTERNATIONAL
REALTY
WHAT GUIDELINES ARE REQUIRED FOR A MORTGAGE LOAN?
Mortgages are used by individuals and businesses wishing to make large value purchase of real
estate without payment the entire value of the purchase up front. Mortgages are also known as lien
against property, or claims on property. Mortgage is a legal agreement that creates an interest in a
real estate property between borrower and the lender.

HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the lender requires documentation to verify
and substantiate your employment, credit and financial situation to assure its investors
that you have the ability to repay the MONEY

HOME REFINANCING: 10 GREAT REASONS TO REFINANCE A PROPERTY. NOW IT'S THE BEST TIME
FOR REFINANCING, THE INTEREST RATE IS VERY LOW.

MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO REDUCE MONTHLY
MORTGAGE PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR CREDIT RATING, TO SAVE YOUR
PROPERTY.

REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS YOUR PERSONAL
RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS, THROUGH A REVERSE
MORTGAGE, REGULATED BY THE U.S. GOVERNMENT.

FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR THIRD
PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!

FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS THERE TO HELP YOU PURCHASE YOUR
HOME. PLEASE CONTACT US WE WILL SHOW YOU THE  WAY .

MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you can make when shopping for a home


Subprime Mortgage
        A type of mortgage that is normally made out to borrowers with lower credit ratings. As a
result of the borrower's lowered credit rating, a conventional mortgage is not offered because the
lender views the borrower as having a larger-than-average risk of defaulting on the loan.

FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR THIRD
PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!

RENTAL PROPERTY / COMMERCIAL REAL ESTATE / COMMERCIAL LEASE Tips for Making Solid
Business Agreements and Contracts
SAVE YOUR HOME, SAVE YOUR
CREDIT, REDUCE YOUR MONTHLY
PAYMENT, AVOID FORECLOSURE.
CLICK HERE!

“WE WAN TO HELP YOU SAVE
YOUR HOME”
DON’T WAIT UNTILL IT’S TOO LATE
TO ASK US FOR HELP!
WE CAN HELP YOU EXPLORE
YOUR OPTIONS…
11 Great things to do with your
money in financial crisis, in
difficult economic time

Trust Account: Definition of a
Trust; Land Trust, Living Trust,
Revocable Trust, Land Contract.
It is one of the oldest and best
defined relationships known in
the law

How to protect yourself and a
business against malicious
law-suits?

Will & Living trust
What is a will and what is living
trust? How does a living trust
avoid probate?

{Investment} The Ultimate
Retirement Guide for Everyone;
Retire Rich, Retire Early

How can I protect my assets?
{Business 101 --- Corp., S - Corp.,
LLC, General Partnership, Limited
partnership, Trust Account, Will
and Living-Trust}
Tips for Avoiding Foreclosure

Related Information   
Resources in Your State
"Tax Relief Options"
Help Save My Home
Relief options for FHA homeowners  
HUD National Servicing Center has more information on avoiding foreclosure
Read the PDF version of the How To Avoid Foreclosure brochure
Providing Alternatives to Foreclosure
Alternatives to Foreclosure




Are you having trouble keeping up with your mortgage payments? Have you received a notice from your
lender asking you to contact them?
Lenders willing to try to negotiate a deal with borrowers in
difficulty.
But one factor that makes a major difference between
borrowers who are able to keep their homes and those who lose them is a simple phone call
Always let your lender know when you are in difficulty with your mortgage because foreclosure costs
everybody: Lenders, Investors, communities etc.
Delinquent borrowers have more option than they may realize

Don't ignore the letters from your lender
Contact your lender immediately
Contact a HUD-approved Housing Counseling Agency

If you are unable to make your mortgage payment:

1. Don't ignore the problem.

The further behind you become, the harder it will be to reinstate your loan and the more likely that you will
lose your house.

2. Contact your lender as soon as you realize that you have a problem.

Lenders do not want your house. They have options to help borrowers through difficult financial times.   

3. Open and respond to all mail from your lender.

The first notices you receive will offer good information about foreclosure prevention options that can help
you weather financial problems.  Later mail may include important notice of
pending legal action.  Your failure to open the mail will not be an excuse in foreclosure court.
4. Know your mortgage rights.

Find your loan documents and read them so you know what your lender may do if you can't
make your payments.  Learn about the foreclosure laws and timeframes in your state (as
every
state is different) by contacting the State Government Housing Office.  

5. Understand foreclosure prevention options.

Valuable information about foreclosure prevention (also called loss mitigation) options can
be found on the internet at www.fha.gov/foreclosure/index.cfm.

6. Contact a HUD-approved housing counselor.

The U.S. Department of Housing and Urban Development (HUD) funds free or very low cost
housing counseling nationwide.  Housing counselors can help you understand the law and
your
options, organize your finances and represent you in negotiations with your lender if you
need this assistance. Find a HUD-approved housing counselor near you or call  (800)
569-4287  or
TTY  (800) 877-8339 .

7. Prioritize your spending.

After healthcare, keeping your house should be your first priority.  Review your finances
and see where you can cut spending in order to make your mortgage payment.  Look for
optional
expenses-cable TV, memberships, entertainment-that you can eliminate. Delay payments on
credit cards and other "unsecured" debt until you have paid your mortgage.

8. Use your assets.  

Do you have assets-a second car, jewelry, a whole life insurance policy-that you can sell
for cash to help reinstate your loan? Can anyone in your household get an extra job to bring
in
additional income?  Even if these efforts don't significantly increase your available cash or
your income, they demonstrate to your lender that you are willing to make sacrifices to
keep your
home.  

9. Avoid foreclosure prevention companies.

You don't need to pay fees for foreclosure prevention help-use that money to pay the
mortgage instead. Many for-profit companies will contact you promising to negotiate with
your lender.  
While these may be legitimate businesses, they will charge you a hefty fee (often two or
three month's mortgage payment) for information and services your lender or a HUD
approved
housing counselor will provide free if you contact them.

10. Don't lose your house to foreclosure recovery scams!

If any firm claims they can stop your foreclosure immediately if you sign a document
appointing them to act on your behalf, you may well be signing over the title to your
property and
becoming a renter in your own home!  Never sign a legal document without reading and
understanding all the terms and getting professional advice from an attorney, a trusted real
estate
professional, or a HUD approved housing counselor.
Foreclosure Avoidance Tactics
If your home is at risk of foreclosure, don't start packing - take action! Some of the steps you can take to save your house include:

Reinstatement
When you are behind in your mortgage payments, reinstatement lets you to pay back the amount in lump sum payment (which may include any interest and penalty charges) before a specific date.

Short Refinance
In a short refinance, the lender may agree to forgive some part of your debt and refinance the remaining debt into an entirely new loan.

Special Forbearance
Sometimes, a short-term financial hitch like medical emergency or a decrease in income may not allow you to make mortgage payments on time. If your lender believes that you have a valid
reason behind the missed payments, it may be agree to help you out with a special forbearance.

Depending on your financial circumstances, your lender may consent to a repayment in which you will temporarily owe lower payments; you may also get an interim suspension of payments.
However, in order to secure this agreement, you will have to assure your lender that you will resolutely abide by the new repayment plan.

Mortgage Modification
Loan modification allows you to refinance your mortgage loan or even extend the term of your loan. The lender may settle for monthly mortgage payments that are within your financial means.
However, to qualify for this alternative, you need to persuade your lender that your monetary problems are only temporary and will soon be resolved.

Refinance with a "Hard Money" Loan
Sometimes your lender may refuse to refinance your loan if it considers you as a high-risk borrower. In this case, you can contact a private lender to refinance with a hard money loan. Hard money
loans generally have astronomical interest rates and fees, but it could allow you to buy the time you need to avoid foreclosure.

These foreclosure options should be easily available to anyone with a government-backed loan provider and built-in mortgage insurance, such as in an FHA loan.

When Foreclosure is Inevitable
If your situation makes foreclosure unavoidable, here are some tactics you can use to dampen the financial blow.

Pre-Foreclosure Sale
If you are absolutely convinced about your deteriorating finances, then the only option left for you is to sell your home for less than the amount required to pay the mortgage loan. You may be
eligible for this alternative only if you default in your mortgage payments by a few months, or as specified by your lender. In addition, you may be required to sell your home in a specific amount of
time..)

If you can't bear to move out, you could sell your house to a friend or an investor who will then lease the home to you. The best way to do this is to sign a lease (or contract) that includes an "option
to purchase" clause, which gives you the right to buy back your home once your finances have improved. However, this alternative does have significant risks, as sometimes the investor can
borrow against your property or may even sell your home without your authorization.


Deed in Lieu of Foreclosure
Another way out is to willingly give your property to the lender, in which case the lender will pardon your debt. You will qualify for a deed in lieu of foreclosure only if you are unable to sell your home
before foreclosure. The only advantage of this option is that you are rescued from a foreclosure as well as a bad credit record.
Bankruptcy
Many people believe that filing for bankruptcy is a nice solution to foreclosure. In reality, all bankruptcy can do is delay the foreclosure process and buy you some time to catch up on your payments.
Once the bankruptcy-instated suspension is revoked, the lender may ask for a full payment, which may require that you apply for a refinancing loan. However, the chances of getting a refinance
loan are almost zero at this point, because the bankruptcy declaration will have left you with a negative credit score.

Conclusion
Avoiding foreclosure is easy if you stay away from situations that cause it. Excessive debt, adjustable-rate or exotic mortgages, a lack of emergency resources, lack of insurance and even buying
costly homes will increase a homeowner's risk of foreclosure. Occasionally, financial setbacks can get in the way of making regular mortgage payments. When this happens, the only wise thing to
do is to immediately inform your lender about this delay. In most cases, your lender will be willing to cooperate with you and help you catch up. Often, lenders are not interested in foreclosing your
house except as a last resort because of the costs and time involved in the process.

As a homeowner, it is up to you to take all the necessary steps to save your house from foreclosure.
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Obtain and retain our contact information  to further assist you.! Click Here to contact us &
get immediate help!  --- We're Licensed Realtor & Licensed Mortgage Broker.


Whether you're in foreclosure now or worried
about it in the future, we have information that can help.