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The Anita Evans Foreclosure Prevention
Offers The Following Services:
Mortgage Modification: All back payments are re-amortized into the life of the loan to allow the customer to afford the new adjusted payment.
Forbearance Agreement: All back payments are written into the loan over a short period of time (6 to 18) months, this arrangement requires a down payment and ability toqualify.
Deferment Plan: With one or more payments down, the lender will allow the remaining
balance to be paid at some future date as a balloon payment, typically due at tax time.
Short Sale: If the property balance is equal to or greater than the fair market value and/or appraised value by using special techniques, the lender will dis-count the balance owed to allow for a sale, i.e., Create instant equity. These loan programs came about to the handle the demand of a constantly changing real estate market. New types of loans were created, such as, sub-prime mortgages, piggy back loans (80 20), hard money, adjustable and others. We at The Anita Evans Foreclosure Prevention have developed specialized programs and techniques to combat issues that resulted in a foreclosure situation. We are able to provide assistance to both homeowners and prospective purchasers.
Foreclosure Sale Postponement: A special arrangement and agreement made between TFPC and the Lender to cancel the foreclosure sale to allow more time for the agent and/or homeowner to close an existing deal. This typically extends the next foreclosure sale date 30 to 90 days.
Post Bankruptcy Issues: A homeowner that has defaulted on either bankruptcy payments and/or mortgage payments after filing bankruptcy, causing the bankruptcy to be dismissed. This requires special handling. These issues typically go beyond what the bankruptcy attorney is capable of or even willing to allow the homeowner to receive the necessary assistance to avoid foreclosure.
Title Related Issues: Clearing, challenging, negotiating, and entering into agreements with lien holders, IRS, State Tax Liens, Law Suits, Levies and other liens that would prevent the homeowner from closing the deal.
Loss Mitigation: This is a one session, 8 hour course, which will teach you how to contact,
communicate and negotiate with the Loss Mitigation Departments at the financial institutions. The mortgage industry has grown to the point where most employees in these departments are new and are not fully trained to assist you. However, with this course, you will be empowered to know what can and cannot be done to achieve a positive response from the lender.
Foreclosure Prevention: This will be available in seminar form and is FREE to the public. The seminar is 3 hours long and will show the attendees 1) the process of foreclosure for their respective state, 2)how to evaluate their specific financial situation before determining if a repayment plan is an option, 3)looking at and how to communicate with the foreclosing lender to find out what options the lender has available and 4) sources of third party assistance. We will discuss paperwork needed to effectively communicate and apply for assistance with all relevant sources of help. The attendee will have the opportunity to hire The Anita Evans Foreclosure Prevention if they are not sure or just simply do not have time to communicate with their lender and lastly, we will be available for customer support 6 months after completing our course.
Avoidance Guides: This step-by-step and very comprehensive Self Help program in Booklet, DVD and audio CD format allows you to, in the privacy of your home and at your convenience, fully understand the process of foreclosure in YOUR state, what to ask for and how to evaluate your specific circumstances. All available sources of help include current techniques and government entities and/or programs available to assist you in saving, selling or avoiding foreclosure on your home. This course is available $750 Customer Support is available for up to 12 months after your purchase.
 Pre-Eviction Services: In cases where the home has been foreclosed on and the occupants are not able to move in a timely manner. We at The Anita Evans Foreclosure Prevention have created techniques to allow a 30 to 60 day extension, giving the occupant additional time to move on their own.
WHY THE ANITA EVANS FORCLOSURE PREVENTION/ PROVIDES SPECIALTY SERVICES TO HELP WITH YOUR PURCHASE DECISION
According to the Atlanta Foreclosure Report, July, 2007, there are an average of over 6,000 foreclosure filings per month in the Atlanta area.
The Anita Evans Foreclosure Previntion can assist a prospective investor in several ways: 1) The client comes to us for help, in most cases they simply cannot afford the property and just want out. Our process includes inspections with contractors, pulling title, ordering appraisals and/or BPO’s, requesting payoffs and reinstatement figures from all lien holders and ordering CMA reports from our on staff licensed Realtors.
2) The homework (property profile) is provided first and short sales are pre-presented so you are getting the best possible deal in the shortest amount of time. This process allows you, the investor, to acquire the property with instant equity! Most properties do not require re-hab. At the foreclosure auction, properties are being offered at the full payoff of the first lien holder, back payments, attorney’s fees, penalties and other related costs plus $1.00 over that amount.
If the property has equity already, that’s great, but in the real world you are purchasing with little chance of getting instant equity, which puts your investment at high risk. We can change those odds with our techniques and creative discounts.
While It is best to acquire pre-foreclosures with cash, our techniques will allow for financing even if you cannot come up with 100% financing. You may obtain a loan for the maximum LTV and use a line of credit, private partner and/or down payment assistance for the remainder.
 We also eliminate competition from other investors by working with the client prior to foreclosure advertisement, therefore granting more time for our prospective buyers to take their time to investigate and/or inspect the property. Lastly, our closing attorneys can assist with issues of ownership, making sure that your transaction is complete, legal and ethical.
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