Do I really need this service?

Just like you go to a doctor when you get sick or seek the services of an attorney when you have legal problems, you should get professional assistance from a lender mediation expert when you have a problem with your mortgage. 

This service can not only stop the foreclosure and save your home; it can also save you thousands of dollars. Most people do not have the skills, knowledge or expertise necessary to negotiate with lenders and most people are completely unaware of their rights and entitlements. The lenders will not tell you.

There are dozens of legal (we only operate legally) that we use on a daily basis. Our strategies include government and non-government programs, which are perfectly legal and designed specifically by the lending industry to help homeowners overcome financial hardship and resolve foreclosure by their existing mortgage. We can quickly determine whether you qualify or not. Click here to find out at no cost or obligation.

Do I have enough time?

Until the auction occurs there is enough time for a homeowner to stop their foreclosure.  TIME IS OF THE ESSENCE and action should be taken as soon as possible.  Under normal circumstances, a foreclosure can be stopped through Foreclosure Assistance's mediation services in approximately 4-6 weeks.  For homeowners with a sale date set for their property, the process moves much more quickly.  We have even stopped foreclosure the same day we were contacted.  Your situation can be resolved up until the day before the sale, but it is highly recommended to act as quickly as possible

Do I need good credit? Is this a loan?

Absolutely not! You already have one loan with the lender. We are simply negotiating with the lender to reinstate or modify that loan so that you can stay in the home, and get on with your life. If you feel that you rather sale your home since the mortgage payments are heavy on your budget but you feel it will be impossible because you owe more than your home’s market value, we can help you by negotiating a short payoff with your lender and help you sell it. In a short payoff, the bank will agree to accept an amount which is less than the total debt due to the current market value.

Why should I use Whiteoak Pro?

Our experts are real estate professionals that have been doing this since the 90's with very much success. As real estate professionals we know real estate market and the lending business from inside and out and when we gain more respect from the lender. There are many other who claim to be foreclosure assistants but they are not holding a professional real estate license from the state government. We measure our success by the satisfaction of our clients and most of our clients are coming from personal referrals. click here to contact us.

What is foreclosure?

When you wanted to purchase a home, you didn't have all of the money necessary for the purchase. You borrowed the money, and created a mortgage or deed of trust (promissory note). Your home was the collateral for the loan and the promissory note basically stated that should you not meet your mortgage payment obligations; the lender can take your property (take title). Foreclosure is the legal process through which this is accomplished.

Although you have rights and entitlements, what you should realize is that the lender does not want your home. They are not in real estate. They only want you to continue paying monthly mortgage payments. But time is of the essence. The longer you take to act, the more this will cost you. Also, if you have a foreclosure sale date, you need to act now.

Which lenders do you work with?

We work with all lenders and have personal contacts and relationships with them. We know how to cut through the red-tape and we are not intimidated by anyone.

Who qualifies for this service?

Any homeowner who encountered a hardship condition, who is behind on his mortgage payments and can now resume, or will be able to resume, monthly mortgage payments. Click here to contact us and we can quickly determine whether you qualify for this program at no cost or obligation to you., we will customize the solution to your unique situation. You can speak to our consultants free,

The sad fact is that some homeowners will not qualify to keep their home and we can still help. Since a mortgage workout is not like a cookie cutter solution that will fit all, we adopted a philosophy to give you free consultation and to help you in your unique situation. We have alternative solutions that can help any homeowner who is delinquent or in default on their mortgage. Do not just deed over your home to an investor if you do not need to.

What if I do not want to keep my home?

We can also assist you in that process as well. Do you truly want to leave your home? Or has someone convinced you that you cannot save the home? Let us analyze your situation and determine what options you have available. In many situations, we have helped people stay in their home when they thought it wasn't possible.

How long does this process take?

Your case can be completed in as little as 2 days or can be stretched out up to 10 weeks, depending on your situation and financial capability. To find out if you qualify can be determined by a short, no-cost consultation with one of our lender mediation experts. This can take as little as 10 minutes, but should not take more than 30 minutes.

Then, if you do qualify for assistance, it should only take another hour or two to complete all the documentation that the lender requires. Once a case is accepted by one of our processors, it takes (on average) 30-60 days for case completion, although it could be less or more, depending on each situation. This will actually allow you to save even more funds to help your situation.

How much will this service cost?

The cost is determined by the availability of funds (your ability to pay) and your monthly mortgage payment. If you don't qualify, it won't cost you anything but a few minutes of your time. In some cases our fee can be paid by your mortgage company or another third party so it’s a win win situation for you. Click here to apply and we can quickly determine what type of solution will be best for you.

Read the Foreclosure Guide to learn more about the Foreclosure procedures
See how we can help you in saving your home
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