The questions everyone asks — answered straight

What does this cost me?

Nothing upfront, ever. The consultation is free, the written plan is free, and California law prohibits charging homeowners advance fees for foreclosure assistance — a rule worth knowing, because anyone who asks you for money before doing the work is breaking it.

If the path you choose ends in a sale — a market listing or a cash offer — the professionals handling that sale are paid out of the transaction, the way any home sale works. Anything I earn comes from that side, never from your pocket before results. Everything is put in writing before you sign anything.

Can foreclosure actually be stopped?

Often, yes. California gives homeowners a statutory right to reinstate after a Notice of Default, servicers are required to review complete loan modification applications, and auction dates get postponed every week. What's realistic depends on your stage, your equity, and what you want — which is exactly what the first call figures out.

My sale date is only days away. Is it too late?

No — but call today, not tomorrow. Postponements are routine when there's an active offer, a complete modification file, or a short-sale package in front of the trustee. Even after a sale, there can be surplus funds and relocation assistance that belong to you. Days-away situations are the ones I prioritize first.

Are you attorneys or a real estate brokerage?

No. I'm not a lawyer, a licensed brokerage, or a mortgage lender, and I won't pretend to be. My role is to help you understand where you are, prepare what needs preparing, and bring in licensed professionals or attorneys when your situation calls for one. You'll always know exactly who is doing what.

Will you sell or share my information?

No. Your number doesn't go into a lead pool and your situation isn't shopped around. Your information is shared only with people directly working on your file — and only with your consent. See the privacy policy for the full details.

Do I have to sell my home?

No. Keeping the home is the first thing we look at — reinstatement, repayment plans, and loan modifications all come before any conversation about selling. Selling only enters the picture if keeping the home isn't viable or isn't what you want.

What should I have ready for the first call?

Whatever you have — don't wait until it's organized. Most useful: any notices you've received (Notice of Default, Notice of Trustee's Sale), a recent mortgage statement, and a rough idea of what the home is worth and what's owed. If all you have is the notice taped to your door, that's enough to start.

Where do you work?

California only, statewide. Foreclosure is state law, and California's rules — reinstatement rights, notice timelines, homeowner protections — are what I know deeply. If you're outside California I'll tell you on the first call and point you toward help where you are.

Is there free help somewhere else?

Yes, and you should know about it: HUD-approved housing counselors are free and available at (800) 569-4287, and the California courts' self-help centers can explain the legal process at no cost. I'll never discourage you from using them — good information from more than one source is how you avoid the scams that circle foreclosure.