Foreclosure Defense
Loan Modification Services
Behind on Your Mortgage or Facing Foreclosure? Understand Your Options and Take the Next Step.
Tell us what changed, what you want to accomplish, and any scheduled sale date. We’ll review your situation and discuss the next steps.
HOW WE HELP
FORECLOSURE PREVENTION
Whether you have missed a payment or received a foreclosure notice, understanding where you stand is the first step. We help you review your situation and explore ways to address the delinquency.
LOAN MODIFICATIONS
TEMPORARY RELIEF
For a temporary setback, forbearance or an applicable moratorium may provide time to address the hardship. Understand the available relief and what happens when it ends. Summit also buys you time. If your needing a few months time, we can stall the mortgage company from foreclosing.
SHORT SALE & DEED IN LIEU
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If keeping your home is no longer practical, compare a lender-approved short sale or a deed in lieu by transferring the home to the lender to avoid foreclosure. We review any remaining debt and request a written release. Short Sale is harder on your credit. Deed In Lieu is only availble if a foreclosure is not active.
BANKRUPTCY QUESTIONS
SELL YOUR HOME ON YOUR TERMS
​If keeping your home no longer fits your circumstances, explore a lender-approved assumption option or an investor offer. Understand your options, compare the terms, and choose your next chapter with confidence—without pressure from the mortgage company.
OUR APPROACH
Every homeowner comes to us with a different story. Some want to catch up after a temporary loss of income. Others need a more manageable payment or want to understand their options for leaving the property. We begin by listening to your goals and reviewing the information that matters to your situation.
From there, we explain the possible next steps in plain language. That may mean exploring a mortgage workout, reviewing what happens after forbearance, or discussing property questions that complicate the process. Our aim is to help you understand where you stand and what information you need to move forward.
The sooner you address a foreclosure notice, the more time you have to understand your options. A completed sale can sharply limit those options, so keep your notices and make any deadline part of the first conversation.
Where Are You In The Foreclosure Process?
Behind on Payments
Tell us what caused the hardship, how many payments you have missed, and whether your finances have changed. Include any assistance your mortgage servicer has offered.
Frequently Asked Questions
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