When it comes to Foreclosure, Procrastination is Death on the Installment Plan. Everyday we hear more horror stories about mortgage foreclosures, and today the headlines scream that Foreclosure are up 75% over the same period last year. Every home that is lost to foreclosure devalues all the other comparable homes for miles around. Every home which is sold through a Short Sale, devalues all the other comparable homes for miles around. The loss in home value may be a boon to investors with dollars, but what it really will take to get the real estate market back on track is the stabilization of home prices; and even, the good lord willing, back to the years when home values appreciated.

Having been in the mortgage finance business for more than 25 years, we have heard many false promises, and seen many mortgage scams, but nothing we have experienced in the past compares to the vicious scams that are being perpetrated on hapless homeowners who are having problems paying their mortgages.

With proper assistance, the vast majority of mortgages which are, or will be, in foreclosure can be mitigated. What does Mitigate mean? 1. to lessen in force or intensity, as wrath, grief, harshness, or pain; moderate. (your lender or servicer) 2. to lessen the severity of loss (as in costs and damages caused by foreclosure and other life situations) 3. to make (a person, one's state of mind, disposition, etc.) milder or more gentle; mollify; appease. How do Mitigate and Mortgage go together? Mortgage mitigation is the process of trying to stop a home foreclosure before it occurs. The Mortgage mitigation process can be led by either an employee or representative of the lean holder or a third party that works strictly for the best interests of the home owner. The Mortgage mitigation process is usually better handled by a third party due to their experience and the ability to deal with the lending company without a personal attachment to the situation.

Mortgage mitigation was introduced as a collaborative effort between the federal government and the mortgage industry. The program was established to help home owners that were facing the loss of their homes due to delinquent payments. A professional mortgage mitigation counselor will work with the home owner as well as the lender to find an alternative to foreclosure.

There are several options when it comes to mortgage mitigation and the main focus should be to keep the home owner in their home. A mortgage mitigation counselor should first seek to set up a loan modification plan or a repayment plan that is realistic for the home owner as well as agreeable to the lending institution. Mortgage modification may include a partial payment of amounts in arrears and then an extension of the loan terms to compensate for the remainder of the amount of the loan in default. With the repayment plan, it is imperative that the plan be realistic when it comes to the home owners ability to repay the amount that is delinquent.

Mortgage mitigation is about keeping the home owner in their home. If that does not seem like a realistic outcome, every attempt should be made to help the home owner get the most for their home as they possibly can before a foreclosure sale takes place. This may include deed-in-lieu of foreclosure or a short payoff if a qualified purchaser can be found.

Because we have seen the need, and because there had to be someone out there who knew the real ins and outs of mortgage mitigation; we searched the country looking for a company who has experience in mortgage mitigation and the integrity to treat foreclosure victims with the honesty and compassion they deserve.

We have found that company, and are proud to offer the services of The Skibowski Company LC as an Agent for, and Affiliate of U.S.HomeSavers , a division of iCore Capital Consultants of Dallas, Texas. The folks at U.S.HomeSavers are not newcomers to the mortgage mitigation business, they have been helping people with mortgage problems since long before the current crisis, over 17 years, during which time they have accumulated vast experience and knowledge working with mortgage companies and their foreclosure victims. We are proud to be associated with U.S.HomeSavers, they are just what we were looking for.

Not all mortgages can be mitigated, and any person or company which asks for outlandish fees before they even know the details of a mortgagee’s actual situation, are nothing but scam artists, and shouldn’t be trusted. U.S.HomeSavers will not take a case we do not expect to win. And, that position is backed up with a 100% Guarantee! U.S.HomeSavers won't take your case or your refundable deposit unless we feel 100% sure that we can mitigate your foreclosure. And, because your loss mitigation service fee is held in trust until your foreclosure is mitigated, your deposit money is always available. Should your home or property get foreclosed on because of circumstances beyond your or our control, we will immediately return your loss mitigation service fee deposit.

Let The Skibowski Company LC and U.S.HomeSavers Save Your Home, Avoid & Stop Foreclosure:

• If you are less than 90 days behind on your mortgage payments, you may qualify for a debt consolidation or mortgage refinance loan. Call now. We can pre-qualify you over the phone in hours, not days, weeks or months. You do not have time to waste. 877-884-1856 Refi-Hotline
• If you or someone you know is 90 days or more behind on their mortgage payments and facing foreclosure, we have special programs that actually STOP the Foreclosure Process If you act quickly.
• A whopping 98% of foreclosures are preventable. We are an organization that cares and are willing to provide confidential, effective foreclosure prevention services to those in need..
• We provide real help for VA, FHA, RD and conventional and privately held mortgages.
• Services are guaranteed and confidential.
• No cash, equity or credit is needed.
• 17 years of dedicated service to the communities we serve. Over 25 years of financial service and lending experience at your disposal immediately!

When it comes to Foreclosure, procrastination is death on the installment plan.