I have been looking for over a year for a program to help homeowners who want to save their homes from foreclosure, want to lower their interest rates and payments but can’t qualify for a refinance, who need help to save their homes. I have coached and guided and represented one borrower in trying to get loan a modification. I was appalled at the process and the outcome: after 10 months of phone calls every couple of weeks, and words that sounded encouraging, my client was denied a loan modification - for the third time!! Then I saw national statistics - less than 10% of loan modifications are approved! What about the government programs to help homeowners keep their homes? Where is the help?

It has gotten even more interesting! In October of 2009, California implemented a new law, SB 94, that makes it illegal for companies, including attorneys, to collect up-front fees to help homeowners with loan modifications. This may help with scams, but it also makes it more difficult for homeowners to get help to save their homes!

Then I heard about the Home Protection Group (HPG). And, immediately I got excited at the brilliant concept and strategy. This is a program that is fully compliant with California SB 94, and that can really help - with a FREE initial loan and note audit, and a 100% money back guarantee! The program helps you, as the homeowner, to be empowered to challenge the lender! And, the program goes beyond helping you to restructure your mortgage, to help you with all aspects of your financial health.

The Home Protection Group (HPG), founded by Mr. Jesus Lim and Anthony Corcuera, Esq., is associated with the Homeowner Protection Group Corporation in Florida. The vision of HPG is to assist homeowners to be financially stable and debt-free.

HPG is a collaboration of a national network of attorneys and non-profit organizations to offer the Full Circle Package, which includes Home Retention, Debt Settlement, Credit Education, Career Optimization, Financial Services, and Retirement Planning.

What is a loan modification?

When you or a representative work with a lender to get a “loan modification”, you are at the mercy of the lender. You need a hardship letter. You need to prove that you need lower payments, but you need enough income to prove you can make the payments. You may get a lower interest rate, maybe for 5 years, maybe for the life of the loan. Rarely will your modification result in a lowered principal balance. Every time you phone the lender, you talk with someone different, who often gives you a different story.. And, less than 10% of applicants are successful! The Home Protection Program is NOT about loan modification!

How is the Home Retention Program Different?

The difference between the Home Retention Program and loan modifications is that with the Home Protection Group, you are empowered to be “back in the driver’s seat”. HPG starts by determining, FOR FREE, if you have a case in two ways:

1. They challenge the lender (in a legal request) to produce the original note that you signed. This note proves that you owe the debt on your home. Most loans have been sold, re-sold, bundled, etc. and in 50% or more of the cases, cannot be produced!

2. They conduct a free Forensic Loan Audit to determine if there were any Federal or State violations or errors in the original loan documents.

If the lender cannot produce the note, and/or violations are found, then HPG negotiates with the lender, and may or may not file a law suit. Lenders do not want to be involved in law suits, and in most cases are willing to renegotiate the loan.

The best news is that HPG has a 100% money-back guarantee to reduce your principal by at least 10%! They review your file, and if they can help, they will let you know and you can decide whether or not to proceed.

What does it cost? After the initial free evaluation, if HPG feels they can help you, the cost is (100% refundable) $3750 for the “Full Circle Package”. The entire $3750 is refunded if HPG cannot negotiate at least a 10% reduction of the principal you owe on your home!

(Note: If you are within 20 days of a Trustee Sale, the total cost is $4,250, paid in advance, to cover court filing fees and to expedite your service. HPG (a Certified Bankruptcy Specialist) will file for Chapter 13 Bankruptcy to stop the Trustee Sale.)

YOU can use the Home Retention Program if you have income and you (any one or more of the following):

Visit my Resources page to watch my short but powerful video, get information and more.

(NOTE: IF YOU HAVE SUCCESSFULLY COMPLETED A LOAN MODIFICATION, YOU MAY NOT BE ELIGIBLE FOR THE HOME RETENTION PROGRAM IF YOU SIGNED AWAY YOUR RIGHTS TO SUE THE LENDER IN A “RELEASE OF CLAIM”.)

Call or email me today to learn more and start the easy (and FREE) application process!

Gary  at 678 720-2447(9am - 9pm only please!)

Are you interested in helping others save their homes? We are looking for agents! Call Gary for more information.