Do you know someone who is facing foreclosure?  Doing nothing is the biggest mistake that people make.  There are several options to foreclosure, some of which are outlined below. 

As a full-time, licensed agent since 1989, I have helped hundreds of families with their real estate needs.  You can count on me to provide you with honest information and guide you through the sometimes complicated process of buying or selling a home.

I am here to help.  Contact me today so that I can help you get started on the road to recovery.  Call or text  me at 916-225-0707 or email me by clicking a link on this website.  I will provide you with a no-cost, no obligation consultation and a plan to avoid foreclosure.  I am certified by the National Association of Realtors as an SFR, which is a Short Sale and Foreclosure Resource.  In addition, I have been trained and certified by two of the largest and most respected national companies that help homeowners who are in mortgage distress.


Forbearance Delay or reduce payments until you can bring your mortgage current. Helps you get your finances back on track without the worry of losing your home. A good option if your situation is temporary.
Repayment Plan Distribute your delinquent payments over a period of time (usually no more than 6 months) to bring your mortgage current. You pay your normal monthly payment plus an additional portion of the past due amount. Gets your mortgage current within a defined time-frame without damaging your credit.
Modification Modify the terms of your current mortgage adding a portion of the past due amount to your unpaid principal balance. Allows you to stay in your home with terms/payments that meet your current financial needs.
Short Sale Market and sell your home to pay off your mortgage. Avoids the foreclosure process and minimizes the effects on your credit.
Deed-in-Lieu Transfer your property back to the lienholder if you have not been able to sell your house at fair market value for a reasonable period of time. Avoids the foreclosure process and can be less damaging to your credit rating.

* ***Disclaimer:  Not all borrowers will qualify for all workout options.