Our providers can help you refinance, or modify and restructure your current home mortgage or help you qualify for a new purchase loan.

There are mortgage programs for people with all types of credit scores, as low as 500 and even some programs that do not require or look at a credit score.

Lenders also known as Mortgage Servicers have home loan modification programs where they can redo your mortgage with our refinancing. In some cases you can obtain a lower interest rate, principal reduction or other forms of assistance.

The options to resolve your problem are dependent upon your tax situation. Things that may be considered are errors made by the taxation authorities, financial standing of the taxpayer and more. Below are some methods that can possibly be used to resolve your tax problem. CDP or CAP Hearing: The IRS and many states provide the taxpayer the ability to appeal certain tax actions, whether they are enforcement actions or decisions that a taxpayer wants to challenge. Filing Tax Returns: Sometimes just filing tax returns that were due can help you alleviate any tax problems. PPIA: This method allows the taxpayer to make a payment amount they can afford each month. The statute of limitations may expire before the total amount is satisfied. Uncollectible/Hardship: Any type of activities against the taxpayer may be stopped until the taxpayer’s financial situation improves. If the financial situation does not improve by the time the statute of limitations expire, the amount in question does not have to paid. Fines Abatement: If it can be proven that the taxpayer has an acceptable reason for not staying in compliance with the tax laws, the taxation authorities may waive fines that were charged. Amending Tax Returns: Many situations come up where the taxpayer may have made errors with a prior filing or the taxation authorities filed on the taxpayers behalf which caused them to have a higher liability than they actually should have. Amending these returns can significantly change the tax balance due, or possibly even be due a refund.

The official terms people use for improving a persons credit is Credit repair and it involves multiple steps and strategies that may improve your credit score, making it easier to qualify for loans and credit cards with better terms. For example, this can be done by challenging inaccurate information on your credit report or managing your credit responsibly. It's legal to repair your own credit under the Credit Repair Organizations Act. Improving credit involves paying bills on time, reducing debt, and keeping credit utilization low. Repairing credit can take 30 days to several years depending on your situation, and professional credit repair providers and services are also an option if you prefer not to do it yourself. Here’s a quick summary of 13 steps to repair your credit: Review credit reports for errors. Dispute inaccurate items with credit bureaus. Keep detailed records and follow up on disputes. Pay bills on time, as payment history is crucial. Reduce debt to lower your credit utilization. Use credit responsibly, avoiding maxing out cards. Watch credit utilization, keeping it under 30%. Maintain a good credit mix (credit cards, loans). Don’t close old accounts to preserve credit history. Report additional payments, like rent or utilities. Be patient—credit repair takes time. Apply for new credit sparingly. Follow a budget to manage spending and debt.

A Home Equity Agreement (HEA) and a Home Equity Line of Credit (HELOC) both allow homeowners to access the equity in their homes, but they function quite differently: Home Equity Agreement (HEA): How it works: Homeowner can receive a lump sum in exchange for sharing a portion of the home's future appreciation (or depreciation) with the investor. Repayment: There are NO MONTHLY PAYMENTS. The agreement typically lasts 10-30 years, and the homeowner repays the investor when they sell the home or after a set period. Eligibility: Focuses on home value and equity rather than credit score or income. Pros/Cons: No debt or monthly payments, but the homeowner gives up a share of future home value increases. Home Equity Line of Credit (HELOC): How it works: A HELOC is a revolving line of credit secured by the home's equity. The homeowner can borrow as needed up to a certain limit, similar to a credit card. Repayment: Requires monthly payments based on the amount borrowed, typically with a variable interest rate. Eligibility: Based on creditworthiness, income, and home equity. Pros/Cons: Flexible access to funds, but involves debt and monthly payments, with interest that can fluctuate. Similarities: Both allow homeowners to tap into the equity of their home. Both require the homeowner to have built up equity in their property. Both are secured by the home, meaning the property could be at risk if the terms are not met. However, HEAs do not involve monthly payments or interest like HELOCs do, making them more attractive to homeowners who prefer not to take on debt or additional monthly obligations.

The Biden administration has introduced mortgage relief programs that can reduce payments by up to 25% for certain struggling homeowners, including those with FHA, USDA, VA loans, and conventional mortgages backed by Fannie Mae and Freddie Mac. FHA loans: Borrowers may benefit from reductions of up to 25% in their monthly payments by reducing their interest rate and or by re-extending the loan term to 30 or 40 years and or at market rates. Some programs allow a restructured mortgage for 36 months / 3 years with keeping rate of the current loan the same but by still reducing payments by up to 25% through partial claims. USDA loans: Eligible borrowers can reduce payments by up to 20% through rate reductions, term extensions, and "mortgage recovery advances" to cover past-due amounts. VA loans: The VA can reduce interest rates to as low as 2.5% or buy a portion of the unpaid principal, potentially cutting payments by up to 30%, with repayment at 0% interest. Fannie Mae & Freddie Mac loans (FLEX Modification): For homeowners with conventional mortgages, the FLEX Modification program offers relief by reducing monthly payments through interest rate reductions, term extensions, and principal forbearance. This program is designed to make mortgage payments more affordable and prevent foreclosure for those with financial hardship. Borrowers can see reductions up to 20% in their payments, depending on their loan structure.

New and revised mortgage relief programs that can reduce payments by up to 25% for certain struggling homeowners, including those with FHA, USDA, VA loans, and conventional mortgages backed by Fannie Mae and Freddie Mac. FHA loans: Borrowers may benefit from reductions of up to 25% in their monthly payments by reducing their interest rate and or by re-extending the loan term to 30 or 40 years and or at market rates. Some programs allow a restructured mortgage for 36 months / 3 years with keeping rate of the current loan the same but by still reducing payments by up to 25% through partial claims. USDA loans: Eligible borrowers can reduce payments by up to 20% through rate reductions, term extensions, and "mortgage recovery advances" to cover past-due amounts. VA loans: The VA can reduce interest rates to as low as 2.5% or buy a portion of the unpaid principal, potentially cutting payments by up to 30%, with repayment at 0% interest. Fannie Mae & Freddie Mac loans (FLEX Modification): For homeowners with conventional mortgages, the FLEX Modification program offers relief by reducing monthly payments through interest rate reductions, term extensions, and principal forbearance. This program is designed to make mortgage payments more affordable and prevent foreclosure for those with financial hardship. Borrowers can see reductions up to 20% in their payments, depending on their loan structure.

The FLEX Modification program is designed to help homeowners with Fannie Mae and Freddie Mac-backed loans by adjusting their mortgage terms to make payments more affordable. It offers flexible solutions for borrowers who are experiencing financial difficulties, aiming to reduce their monthly payments through several key strategies: Lower Interest Rates: The interest rate on the mortgage can be adjusted downward, helping to lower monthly payments. Extended Loan Term: Borrowers can extend their mortgage term up to 40 years, spreading out the repayment and reducing the amount due each month. Principal Forbearance: Part of the loan’s principal can be deferred, meaning the borrower doesn't have to pay it now. This allows for lower monthly payments, with the deferred balance repaid later, usually at the end of the loan term. Payment Reduction: The program's primary goal is to reduce monthly mortgage payments by up to 20%, providing immediate financial relief. This program is available for both primary and secondary residences, as well as investment properties, for borrowers who meet the eligibility criteria, such as being 60 days behind on payments or experiencing financial hardship due to changes in income. Unlike refinancing, the FLEX Modification adjusts the existing loan terms to make it more manageable without requiring a new loan

A stated income mortgage is a type of loan where borrowers are not required to provide traditional income verification documents, such as pay stubs or tax returns. Instead, they "state" their income on the application, and the lender uses other criteria to determine if the borrower qualifies. These loans were primarily used by self-employed individuals, freelancers, or those with inconsistent income who found it difficult to meet the documentation requirements of conventional loans. How Stated Income Mortgages Work: Income Declaration: Borrowers declare their income without formal verification, relying on their word for how much they earn. Higher Risk for Lenders: Since lenders are taking on more risk without verifying income, these loans often come with higher interest rates compared to conventional mortgages. Down Payments and Credit Requirements: To offset the risk, lenders typically require a larger down payment (20-30%) and a higher credit score to qualify for a stated income loan. Non-Traditional Verification: Instead of income documents, lenders may use other financial information to assess the borrower's ability to repay. This can include bank statements, asset holdings, or proof of cash flow from business activities. Pros and Cons: Pros: Helpful for self-employed borrowers or those with irregular income streams. Faster approval process since there’s less paperwork. Cons: Higher interest rates and down payment requirements. Riskier for borrowers if income is overestimated, as they could struggle with repayment. These loans were popular before the 2008 financial crisis but declined significantly after stricter lending standards were introduced under the Dodd-Frank Act. However, certain versions of these loans are still available today for specific types of borrowers​