Home Solution Counselors is the leading provider of real estate loss mitigation and foreclosure defense services in the greater Houston area.
WE WILL HELP YOU STAY IN YOUR HOUSE
Home Affordability Programs
We will get your bank to come to the table with an offer to make your house more affordable. Many banks are offering programs to help their customers stay in their house by making it more affordable. We will stay on top of your bank to ensure your application is reviewed as expeditiously as possible and in the most favorable light.
Forensic Mortgage Audits
Were you the victim of predatory lending? Did your mortgage broker or home builder violate statutory guidelines? Did your lender follow all of the Truth in Lending (TILA), Real Estate Settlement and Procedures Act (RESPA), Texas Constitution (A6) guidelines. Did your builder collude with the appraiser and mortgage company to sell you an inflated house? Were you informed properly of each and every one of your rights? We will examine your original loan documents and provide a 15+ page report of our findings. Take the report and use it yourself or we will use the findings as the basis of our leverage when negotiating with your bank.
Note Securitization Analysis
We will press your servicer to disclose who is your real lender and force them to produce the original note. If they don’t have the original note we will use that as leverage when negotiating with your bank.
Mortgage Litigation
Sometimes you just have to sue someone. If that is the case we will assist you in engaging the services of The Gore Law Firm to pursue all of your legal rights through the court system.
Foreclosure Postponement
Maybe you just need some more time in order to get things in order. We can help by holding off the grim-reaper until you are in a position to make the decision about what option is in your best interest.
OR HELP YOU GET OUT OF YOUR HOUSE
Short Sales
We have evaluated thousands of properties as well as closed over 600 real estate transactions specifically helping families out of tough situations.
Our short sale process is so effective because it is unique from all others:
- We preserve the REALTOR® commission. We do not take-over or substitute for the Agent. We do not take any part of the commission. We pay a bonus to the LISTING Agent at the closing. We do not ask the Agent to take any risks by participating in “double-up” transactions.
- We seek complete debt forgiveness from the homeowner’s bank and all other junior lien-holders.
- We are not a party to the transaction. We’re not interested in buying the house or contracting for the deed. We want the REALTOR® to sell the house on the open market to the highest and best offer.
Deed-In-Lieu of Foreclosure
As a last resort, we can negotiate with your lender to seek resolution to your home financial crisis through a Deed-In-Lieu.
WE WILL NOT:
Guarantee Results
Every situation is different. We will be realistic about what is likely to expect but we will never guarantee any specific outcome or ask you to pay up-front for anything you don’t understand.
Tell You To Stop Paying Your Mortgage
We will not tell you to stop making payments. We will not accept payments from you “on behalf” of your mortgage company. Check out the FTC guidelines on scams, unfortunately there are some out there who are looking for ways to take advantage of people. http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea16.shtm
Suggest Bankruptcy
Many believe that bankruptcy is their only option when it comes to stopping a foreclosure. It’s not, in fact, it’s a bad option with many irreversible consequences and should be avoided unless it’s absolutely necessary as an extreme last resort. Bankruptcy is a short-term temporary fix to a much larger problem. Once the paperwork is filed and you’ve been dismissed, you can end up farther in the hole than you were before.
Buy Your House
You’ve seen the signs: “Will buy your house for cash.” These schemes are designed to get you to accept a low-ball offer while they go and solicit a higher offer and then pocket the difference. Many of the tactics used by these “investors” have been outlawed in other states. Texas is considering outlawing these practices as well. A buyer of your house wants to buy it at the lowest possible price. We don’t believe that anyone can represent your best interests while their own interests are served best by the lowest possible sales price. We won’t buy your house because we want to find the buyer who wants to pay the most money for it.
Refer you to an Out-Of-State Phone Bank
You need to be able to look someone in the eye and make sure they understand your unique situation. Come in to our office and meet with one of our counselors face-to-face. They will be with you through every step of the process all the way to close. We believe that there is no way someone who has never met you can negotiate successfully on your behalf. You should be able to shake hands with the person with whom you are sharing your most vital and confidential information.
Try to replace your REALTOR®
You’ve built a relationship of trust based on service and performance with your REALTOR®. We want to work with you AND your REALTOR® to ensure a quick and successful resolution.
Ask your REALTOR® to participate in “double up” transactions that place their license in jeopardy
REALTORS® “double up” when they agree orally or in writing to represent a buyer as their agent to sell a property before the seller actually has purchased the property when the REALTOR® is currently representing the seller. Most of the HSC team is licensed by the Texas Real Estate Commission and as such we respect the profession and would not ask your REALTOR® to do anything that would put their license in jeopardy. We believe that representing a seller in a transaction and then representing the buyer as the seller in an immediately subsequent transaction is a violation of the REALTORS® fiduciary responsibility to the original seller.
Offer to help without a Written Guarantee
We are so confident of our ability to get results that we back everything we do with a written guarantee. “If you can’t put it in writing, then don’t say it!”
Call 713-595-8200 or Email us for free, no obligation information on:
- Credit Counseling
- Broker or Non-Broker Assisted Short Sales
- Deed-in-Lieu of Foreclosure
- Foreclosure Postponement
- Loan Affordability Programs
- Recommended Mortgage Bankers
