About Us
Your Solution 4 Real Estate is a family owned company based in Michigan. We buy, sell, and lease properties.  We specialize in revitalizing houses that need “TLC” into homes that you will love to live in. Our buyers are looking for homes in nice areas that are finished to a high quality standard and offered at a reasonable price.  We are always buying and selling homes, so our inventory moves quickly. We provide our clients with their dream homes, while we help to improve the property values in the neighborhoods and communities that we work within. We employ local contractors.  We are pleased to be a small part of the restoration of the US housing market and economy.
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If you are trying to save your home from default or foreclosure, there are a variety of plans that you may be qualified for.  We can help you figure it out. Never been in foreclosure and have no idea about what to do, who to call or how to get out of this mess?  Click here to contact us to Get Started Now on the road to a second chance. There is no obligation and NO cost to you.
We understand that good people can fall on hard times for a number of reasons:
1. TURNED DOWN FOR REFINANCING

2. LATE ON PAYMENTS

3. UPSIDE-DOWN

4. INCOME CHANGE / JOB LOSS

5. ILLNESS / MEDICAL COSTS

6. RECEIVED NOTICE OF DEFAULT / AUCTION

7. NO EQUITY / MINIMAL SAVINGS

8. DIVORCE

We believe that you deserve a chance to get back on your feet.  There is a way to make a positive change: our Loss Mitigation team can help you. Contact us now to Get Started!

Your Solution 4 Real Estate was built to serve as THE solution for consumers when it comes to anything related to real estate.  One area of focus is on helping the millions of consumers that are faced with the possibility of a foreclosure by the bank.  Time is of the essence.  Click here to Contact us and Get Started Now! 

Frequently  Asked Questions:
“What if I cannot afford my home any longer? Can you still help me?”
 If you are certain that you cannot afford your home any longer and wish to sell, relinquishing any equity you may have had in your home, we can help you to secure a "short sale" payoff (contingent on approval by your lender).  We provide this negotiating service at no cost to you.  Contact us now to Get Started!

“What is Foreclosure?”
When a borrower has been unable to make the scheduled payments on his or her mortgage loan, the lender will decide when the loan is in default, and will undertake legal proceedings in order to repossess the property. Any equity the homeowner may have built up in the home is lost, and the homeowner will have to vacate the premises. Laws on how long a homeowner has before a lender can start foreclosure proceedings vary from state to state.  We have experts who specialize in each state’s Foreclosure Laws. If you want to Stop Foreclosure Now,  click here to Contact us now to Get Started!

“What is a Short Sale?”
Short Sale is the acceptance of less than the full payoff of a loan, when the property is being sold to another party.  The loan will be considered to be paid in full upon acceptance of a short sale.  These are primarily used when all negotiations for a loan modification have failed and more is owed on the mortgage than the house is worth. The lender basically agrees to cooperate in the sale of the home and take a loss. The home must be listed for sale and any offers that the homeowners agrees to are presented to the lender who will control the negotiations. We can work with your lender to help ensure that they approve the process. To qualify, you must have suffered a long term financial hardship - for example you or an immediate family member,  have suffered a catastrophic illness, your employer has transferred you out of the area and you're unable to sell or rent the property, you've suffered a disabling injury that precludes you from ever working again, and so on.  The lender typically pays the selling and buying agent’s commissions, attorney fees, rehab fees, our costs, past due payments, and more. The lender and/or seller will absorb the closing costs as well. The reason that Lenders will accept Short Sales is because it costs more money for them to foreclose on a property.  A short sale helps reduce additional losses and gives them immediate pay-off from the buyer. Most lenders are REQUIRED to have an amount up to SIX Times the retail value of each bank-owned property (REO) in reserve, so a short sale gives them immediate relief.  Also known as "short payoff", "short refinance", "pre-foreclosure sale", or a "compromise sale", this is really an option of last resort, and requirements to have this occur are very stringent. We are experts in short sale negotiations with a proven track record of success. Contact us now to Get Started! Or for more specific detail, visit our website at www.areashortsalepros.com

“How long does this process take?”
Working with your lender to reach a suitable arrangement to avoid foreclosure can take anywhere from a few days to several months. It all depends on your current financial position, and whether or not foreclosure proceedings have already been started. Typically, it takes several weeks to achieve an agreement with the lender and stop foreclosure proceedings.  Contact us now to Get Started!

“I just received a Notice Of Default (NOD).  How long do I have to make my decision on what to do?”
When it comes to dealing with late mortgage payments, time is not your friend. The sooner you act - the better. Your lender will be much more confident in your willingness to make payments on your mortgage if you deal with the situation immediately, rather than waiting until the last moment. The foreclosure process can vary take anywhere from a few weeks to many months, depending on your state law and method of foreclosure your lender chooses to use, but it is imperative that you take action as quickly as possible.  
Contact us now to Get Started!

“Should I file for bankruptcy to save my house?”
This is generally not a good idea.  According to the American Bar Association, 96% of homeowners who declare bankruptcy end up losing their home to foreclosure, therefore, bankruptcy is not likely to help you save your home. There are certain times when bankruptcy may be appropriate - we recommend you consult a reputable attorney in this regard.

“I'm currently in bankruptcy. Can you still help?”
It is possible to help you, but it all depends on your unique situation.  We cannot, however, negotiate an agreement with your lender until your mortgage has been discharged or dismissed from the bankruptcy proceedings.  Our loss mitigation consultants can evaluate your case and explain the best options to save your home. Then, once the mortgage is out of the bankruptcy, we can help you stop the foreclosure proceedings.  

“Can I negotiate with my lender myself?”
Every homeowner has the opportunity to negotiate directly with their lender. The problem we see, is that the lenders keep the homeowners on hold, then give them ‘the run around’ and often never even connect them to the proper person. If your lender is not cooperative, or puts you off for more than a couple of weeks, then it is the time to contact us.  Don't wait for more than a couple of weeks, because, time is not on your side in these matters. We know how to navigate our way through their processes for your benefit.

“What is a Loan Modification?”
Loan modifications allow a homeowner to renegotiate the terms of their existing loan so that they are able to afford to keep their house and avoid foreclosure.  Many homeowners with adjustable rate mortgages have experienced massive increases in their monthly payments and can no longer handle their monthly payments.  A loan modification reworks the mortgage agreement to accommodate a homeowner’s situation which has changed since the original loan agreement was signed.  It is important to note that a loan modification is not a new mortgage, rather it is a renegotiation of an existing loan.  With a loan modification, it's possible that your:

•interest rate may be decreased
•interest rate can be changed from an adjustable to a fixed rate
•time frame to pay the loan back can be lengthened
•loan principal may be decreased
•late fees may be waived
•second mortgage could be waived or wiped off of the books

What is Forbearance / Special Forbearance?”
These are loss mitigation options where the lender agrees to a revised repayment plan for the borrower that may include a temporary reduction or suspension of monthly loan payments. This is often used when a Notice of Default has been filed. Generally, this is used when borrowers have special circumstances during which the lender agrees to suspend or reduce monthly mortgage payments for a certain length of time in order for the borrower to catch up financially so that they do not go into default and lose their home to foreclosure.  Forbearance plans do not remove a foreclosure action but simply stop it in place until the loan is current.
Forbearance Programs will fail if the lender refuses to consider the ability of the borrower to pay.  Lenders seldom immediately shut down accounts upon the initial default, and typically will agree to provide the borrower with additional time to attempt to solve their financial problems. Special Forbearance applies to FHA Type I & Type II Loans only. 

“What is a Partial Claim?”
A partial claim is a loss mitigation option offered by the FHA that allows a borrower, with help from a lender, to get an interest-free loan from HUD to bring their mortgage payments up to date.  This interest-free second mortgage is a one-time loan to assist homeowners in paying what they owe on their first mortgage due to missed or partial payments.  The existing mortgage loan takes priority for payment going forward, and the partial claim loan is repaid after the original mortgage loan is paid.  This option may only exist if your mortgage is through the Federal Housing Authority (FHA).
HUD’s definition: Under the Partial Claim option, a mortgagee will advance funds on behalf of a mortgagor in an amount necessary to reinstate a delinquent loan (not to exceed the equivalent of 12 months PITI [Principle, Interest, Taxes and Insurance]). The mortgagor will execute a promissory note and subordinate mortgage payable to HUD. 
FHA mortgage holders may qualify for a partial claim if their loan payments are more than 4 months, but no more than 12 months, overdue, and they have the proven financial stability to begin meeting their payments.

“What is a Deed-in-Lieu?”
This is a deed instrument in which a homeowner conveys all interest in a real property to the lender to satisfy a loan that is in default and thereby avoid foreclosure proceedings. If you have had your home listed with a real estate agent for at least 30 days, with no success in selling it, and if it is in sellable condition, and if there are no claims or liens against it – other than your mortgage, of course, you may be eligible for a "deed in lieu of foreclosure".  In order to be considered a deed in lieu of foreclosure, the indebtedness must be secured by the real estate being transferred. The principal advantage to the homeowner (borrower) is that it immediately releases you from most or all of the personal indebtedness associated with the defaulted loan. This option also avoids the public notification of a foreclosure proceeding and may receive more generous terms than in a formal foreclosure.  Note: this option does not save your house.  Lenders may agree to accept a Deed-in-lieu because they get a reduction in the time and cost of repossession.