Help 4 Monterey Homeowners is dedicated to helping distressed Monterey County Homeowners gain the knowledge they need to make informed decisions when faced with a foreclosure of their home.  We are compassionate, caring professionals with many years of experience in our fields.

There is little in life that will create more anxiety for you and your family than facing the foreclosure of your home.  In addition to the stress and financial implications of a foreclosure, you will carry it on your credit report for 7 years, and will have to report it on many applications.   You owe it to yourself to explore all the avenues open to you to Avoid Foreclosure.

Many of the homeowners we work with have tried absolutely everything they can to avoid defaulting on their loans.  They have run up their credit cards, borrowed from family and taken money from their retirement funds.  They rob their financial future to cover their mortgage payments because they are good and honorable people who want to meet their obligations and keep their home.  They feel hopeless and paralyzed as their debts mount beyond their ability to pay.  It is critical to know your options before you make decisions that will impact your financial future.  At almost any point in the Foreclosure process there is an option that may prevent foreclosure but  Time is of the Essence!

There are several options available to you that can help you Avoid Foreclosure.  While these solutions may not work for all homeowners, they are worth exploring to find which may be right for your situation. With the correct guidance and a little effort on your part, we are confident that most homeowners will be able to Avoid Foreclosure and its long term effects.

If you are defaulting on your home loan or contemplate that you will default as you can no longer continue to make payments, it is important that you understand the options available to you.  It is always advisable to seek the counsel of an Attorney and CPA in these situations so that you fully understand the legal and tax implications of your decision. 

Our team consists of professionals who can guide you through the decision making process so that you make the best decision for you and your family.

We are:

Attorney Robert Rosenthal, who advises on the legal issues of foreclosure and provides a highly successful Loan Modification service. See the Loan Modification page for information on this process.

Realtor and distressed homeowner coach, Janet Reilly, CDPE (DRE# 01406679), Sotheby's International Realty, Carmel, CA, who specializes in helping distressed sellers Avoid Foreclosure.  This service is explained on the Short Sales page. 

Our Mission is to HELP Monterey County Homeowners
AVOID FORECLOSURE