“The light shines in the darkness, and the darkness has not overcome it.”

WE HELP STRUGGLING HOME OWNERS OVERCOME THEIR SITUATIONS BY EITHER BEING ABLE TO SAVE THEIR HOMES THEY HAVE WORKED SO HARD FOR OR TO SAVE THEIR CREDIT FROM THE NASTY EFFECTS OF FORECLOSURE AND WALK AWAY WITH PEACE OF MIND. IF YOU WOULD LIKE INFORMATION ON EITHER OF THESE OPTIONS CLICK THE APPROPRIATE LINK BELOW!

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Are you currently in foreclosure? Weather you’re about to go to auction or you just received your notice, click “learn more” and reach out to see how we can help!

Get the help you need before its too late!

Few people think they will lose their home; they think they have more time. Here is a timeline of the steps to foreclosure.

All timelines are estimated and vary according to your state and your mortgage company.

Step 1

First month missed payment

your lender will contact you by letter or phone. A housing counselor can help.

Step 2

Second month missed payment

your lender is likely to begin calling you to discuss why you have not made your payments. It is important that you take their phone calls. Talk to your lender and explain your situation and what you are trying to do to resolve it. At this time, you still may be able to make one payment to prevent yourself from falling three months behind. A housing counselor can help.

Step 3

Third month missed payment

after the third payment is missed, you will receive a letter from your lender stating the amount you are delinquent, and that you have 30 days to bring your mortgage current. This is called a “Demand Letter” or “Notice to Accelerate.” If you do not pay the specified amount or make some type of arrangements by the given date, the lender may begin foreclosure proceedings. They are unlikely to accept less than the total due without arrangements being made if you receive this letter. You still have time to work something out with your lender. A housing counselor can still help.

Step 4

Fourth month missed payment

now you are nearing the end of time allowed in your Demand or Notice to Accelerate Letter. When the 30 days ends, if you have not paid the full amount or worked our arrangements you will be referred to your lender’s attorneys. You will incur all attorney fees as part of your delinquency. A housing counselor can still help you.

Step 5

Sheriff's or Public Trustee's Sale

 the attorney will schedule a Sale. This is the actual day of foreclosure. You may be notified of the date by mail, a notice is taped to your door, and the sale may be advertised in a local paper. The time between the Demand or Notice to Accelerate Letter and the actual Sale varies by state. In some states it can be as quick as 2-3 months. This is not the move-out date, but the end is near. You have until the date of sale to make arrangements with your lender, or pay the total amount owed, including attorney fees.

Step 6

Redemption Period

after the sale date, you may enter a redemption period. You will be notified of your time frame on the same notice that your state uses for your Sheriff’s or Public Trustee’s Sale.

All information in this and previous slides has been referenced from hud.gov

What others are saying about us

Michael was amazing to work with. He is very knowledgeable, professional and responsive. Michael was right there to discuss everything with me. I worked with him as a title agent and on the title end, it is always great to have an agent that stays in the loop and stays in communication with not just the clients but with us. Thank you again Michael you are a top notch real estate professional.

Dina Spann-CEO, Magnolia Closing Co

Michael did such an amazing job on our recent closing together. He went above and beyond the call of duty to protect his sellers on an owner finance deal. The deal would not have gone as smooth without him. We hope to work with him again and again in the future.

Katie McGinnis Owner, New Beginnings Title Co

Michael referred me to a couple that needed to move out of the state immediately and we had to sort a way of closing on the property creatively that made sense for everyone and he was always on top of the entire process, making it so smooth for the family and for myself as the buyer. I will continue to do business with you Michael as you are professional, ethical, and a true problem solver!
Looking forward to buying more homes from you.

Branden Gaudez - Owner, Kaizen Capital

We sold our home quickly and Michael went above and beyond our expectations. Anytime we called him he got back to us immediately. We highly recommend using him.

Patricia Turner- Home Owner

Michael was very knowledgeable, friendly and professional. We also were able to get to know him a little more and love that he gives back to the community as well. We look forward to working with him again in the near future. :)

Ashley Bowers- Marketing Director, Clear Choice Title & Escrow

Great expertise and attentive to the needs of his client ! Professional work !

Nikole Diaz, Amazing Roofers

Michael is a true real estate professional and very Knowledgeable. You won’t be disappointed!

Sergio Ortega, Real Property Solvers

I wanted to take a moment to commend Michael for his outstanding work during our recent short sale transaction. He was extremely thorough and communicative. He navigated complexities with ease, ensuring a smooth process and a successful outcome for all parties involved.
I wholeheartedly recommend Michael Riordan to anyone seeking a dedicated and skilled real estate professional. It was a pleasure working together, and I look forward to future collaborations.

Bailey Backus, The Hyss Group

What are you waiting for?

You’ve made it this far, I think its safe to say you’re definitely interested in at least hearing how we can help you out of your situation. Click the link and schedule a free 1 on 1 meeting to go over your options!

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