"Protecting property owners, one owner at time" 

Sell Your Home

The fact is selling your home will give you the most money in your pocket. Unfortunately for most people, their home takes longer to sell than they anticipate and the foreclosure takes place. NC ReVal, LLC can help you sell your home for a fair price to motivated buyers.

Loan Forbearance or Modification

A loan modification is a permanent change to your mortgage that may lower your payments and add the back payments to the balance to paid off over a certain period of time.

Chapter 13 Bankruptcy

Filing bankruptcy prior to the auction will stop the sale; however, it only postpones the sale for one or two months. You should consult with an attorney who specializes in bankruptcy law for specific legal advice to determine if this option is right for you.

Refinancing

You've probably received letters from mortgage brokers and lenders saying you are already pre-approved for a new mortgage. The fact is that is very difficult to arrange new financing when you're already in default on your existing mortgage. Be very cautious about sending advanced fees of $300.00 to $600.00 to lenders or mortgage brokers.

Mortgage Reinstatement

You have up to and including the morning of the auction to catch up your payments. Perhaps you could borrow from friends or family, credit cards, a retirement program or arrange a second mortgage to catch up the back payments and fees.