Options for Keeping Your Home

You fell behind on your mortgage, but now you want to get back on track. We can discuss the following options to help you become current on your loan:

Discounted Loan Payoff – We may be able to provide a discount on the outstanding balance and outstanding monthly payments if you prefer to pay off the loan. If you have funds available in your savings, retirement account, or a family member or friend can lend a hand, this can be an option for you. Did you know that a homeowner is allowed to make a 401K withdrawal without penalty to avoid a foreclosure? See Retirement Plans FAQ from IRS .

Reinstatement – We can work with you to get you back on track with regular payments.  We work with you to figure out how much you can afford allowing for some savings along the way.  We can customize a payment plan based on your specific needs. Instead of going into foreclosure, your loan will become current.

Payment Plan – If your goal is to reduce your monthly payment, we may be able to do that by reducing the interest rate, changing the term of the loan, or decreasing the outstanding principle. EXAMPLE: We recently worked with a borrower who stopped paying their monthly payment of $525 because of medical problems.  We came up with a plan, based on information they provided on their income and expenses, and we were able to decrease the payment to $300 per month which also allowed them savings of $200 per month!

Payoff/Refinance – Completely pay off the entire loan amount plus any default amounts and fees. Typically this is accomplished by refinance of the mortgage loan. The new loan is usually at a higher interest rate, plus there may be a prepayment penalty because of the recent default. This option is available if the home is worth more than the payoff amount of the delinquent loan and assumes the homeowners still have reasonably good credit scores.


Get Started Now!

Contact Certis Financial at 888-411-0557 to start resolving your default.




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Commercial Loans

Certis Financial is a national loan company. We have a hands-on approach to servicing our commercial borrowers and can help with restructuring debt, Short sales, foreclosure, inter-creditor agreements, and other workout options.  Our goal is not to force borrowers into a plan, instead we help you to make a plan that works best.  Please contact us to start the process.

Residential Loan

Certis Financial is a national loan company. We specialize in helping homeowners explore their options when they need help with a delinquent mortgage.  Our goal is not to force you into a plan, instead we help you to make a plan that works best.  Please contact us  to start the process.

NACA's HomeSave Program

NACA (Neighborhood Assistance Corporation of America)’s HomeSave Program is nationally recognized as the most effective in providing affordable solutions for homeowners with an unaffordable mortgage. All of NACA’s services are Free. You should not pay anyone to achieve your affordable mortgage payment. While NACA sounds too good to be true, it is the reality for many thousands of homeowners

FTC Consumer Information on Home Loans

Federal Trade Commission is the nation’s consumer protection agency created to protect consumers against unfair, deceptive, or false business practices. The agency provides the following information regarding home loans:


Homeownership Preservation Foundation

Homeownership Preservation Foundation is an independent, nonprofit organization that provides counseling to homeowners facing foreclosure. If you are one of the many Americans in need of mortgage assistance or have questions on how to stop foreclosure on your home, we may be able to help you get back on your financial feet and, hopefully, avoid foreclosure.