"providing options and solutions"

 

CREDIT & DEBT HELP

Are you in need of help disputing credit items or solving debt issues? We can take a look at your situation and offer you solutions. Many people don't realize that some items are easily resolvable and just need a little help or step in the right direction. We are here to help, just give us a call today. 


LOANS- WE HAVE THE RESOURCES YOU NEED

We will refer you to the right fit for your loan needs. We can also refer you to someone to help you manage your business or qualify for a small business loan or SBA Loan

What is Loan Modification and how can I qualify?

A loan modification is when your lender modifies your current mortgage note to more favorable, affordable terms bringing your account up to date allowing you and your family a fresh new start in managing your home. Typically the lender will reduce your interest rate, or extend the length of the loan. President Obama’s programs include Making Home Affordable Program (MHAP), Home Affordable Modification Program (HAMP), traditional modification   Other possibilities may include forbearance plans, principle reduction or deferment, reinstatement, Refi Plus, traditional refinance, reverse mortgage/HECM or short sale, Home Affordable Foreclosure Alternative (HAFA) or deed in lieu of foreclosure - all ultimately avoiding foreclosure. All of this depends upon your lender, the investor that owns your loan, loan type, income, expenses and your individual situation. You may qualify based upon the following:

You may qualify based upon the following:

- You are behind or about to be late on your mortgage payments
- You have a negative amortization (Neg. Am or 1% loan), adjustable, variable, interest only loan or balloon payment coming due
- Your interest rate is about to adjust  to a higher rate
- You want to keep your home and avoid foreclosure
- You have had a hardship such as loss of income for any reason or illness in the family
- You are behind or about to be late on your mortgage payments
- You have a negative amortization (Neg. Am or 1% loan),adjustable,  variable, Interest only loan or balloon payment coming due
- Your interest rate is about to adjust  to a higher rate
- You want to keep your home and avoid foreclosure
- You have had a hardship such as loss of income for any reason or illness in the family.


First Time Home Buyers

At The Housing Resource Center, our housing counselors will assist you in finding all programs available and make you aware of any programs that you may be eligible for in the purchase of your new home. Many banks and brokers do not offer these types of programs.

Your first home is one of the most important decisions you will make in your life. Buying your first home can be a great experience especially when you've done your research and are properly informed and prepared. Being properly prepared is crucial. Finding the perfect home and obtaining the right mortgage loan is just one of many important factors when buying your first home. There are City, County, State and Federal Down Payment Assistance Programs, Grants, and Tax Credits available to assist you based upon income and areas in which you are considering living.

The Housing Resource Center will help you get organized and ready for your purchase. We will provide you with a "Home Buying Checklist" to better identify your needs when looking at potential homes for your family.

"Providing Options and Solutions" 
Contact us today for a free consultation By calling  (877) 956-5363 or email us at info@thehrc.org

HOMES

We will help you in all areas of home resources- whether you want to buy, sell or modify- we can help. We can even assist in rentals or low income housing referrals.

The home buying process can be complicated and sometimes even intimidating. Our Housing Counselors will walk you through each process step by step and help you review any documents. There are many important decisions to be made and The Housing Resource Center will help better prepare you for making those decisions. 

The HRC has the experience and network of professionals to assist in purchasing foreclosures, REO’s, VA, FHA and HUD properties and financing. 

There are 8 steps to buying a home: 

1. Budget Counseling 

2. Homebuyer Education 

3. Shopping for a Loan -Get Pre-Approved with the BEST RATE

4. Home Buying Programs - Down Payment Assistance

5. Shopping for a Home - Finding the right home and Agent

6. Getting a Home Inspection 

7. Shopping for Home Insurance 

8. Signing Closing Documentation h here.

HOMES, LOANS ,CREDIT & DEBT SERVICES