Q: My credit is bad, am I wasting my time?
A: No. Almost everyone who has fallen behind on house payments have had some credit problems in the past. We help people regardless of credit.

Q: Why did my mortgage company send me my payment back?
A: After your mortgage company accelerates your loan, they no longer accept a payment less than the full amount due. They are likely to send it back to you, asking for the whole amount. The reason for this has its origin in case law.

Q: What do I do if someone stops by the house?
A: It is possible that investors or bank representatives will come by and look at your house. This is their way of evaluating the condition of the collateral on your mortgage. The bank may be checking that it is not vacant.

Q: How much time do I have?
A: It depends on which state your property is in. In Florida you may have up to six months before you home is sold by the bank. Other states, like Texas for instance, will schedule your home for foreclosure sale just 3 months after serving you with notice. Time is no friend when you’re behind. Take steps to get yourself caught up. The longer you wait, the more you pay in court costs, late charges, and attorney fees. Click Here For Laws in Your State

Q: Can HomeLoansPaid help with my other bills?
A: Not directly. We work closely with many non-profit outreach groups and credit counselors.

Q: I’ve received papers from the court. Do I have to attend on the hearing day?
A: You have the right to appear, but are not compelled to do so. The purpose of a hearing is for the mortgage representative to validate the debt. They show the judge that the loan made to you was a legal one, and that the foreclosure sale should be scheduled the next month. These hearings are a swift formality done by rubber stamp. If you feel the mortgage company has not properly posted your payments, or is wrongfully foreclosing, you have the right to explain your position. If not, then your time is probably better spent at work earning a living.

Q. Can I get help immediately?
A. Yes. You may apply for assistance right now.To Keep Your Home Click Here. To Sell Your Home Click Here. In just two days, we’ll call you with your options (Three days if you submit on a weekend). We prefer homeowners to use the online forms since it is faster than calling us and receiving our assistance packet through the mail. Of course you are welcomed to do both.