*ACG does not provide legal or tax advice. ACG does it’s best to present an overall picture of the programs that apply to most people but they do not apply to all people. Certain lenders and or but not limited to, servicers, investors, and mortgage insurers may not participate in all programs.

Today real estate challenges seem to be getting worse. Work with the Experts.

With hundreds of professionals we make a tough situation a whole lot easier.

Helping homeowners is what we do. How can ACG help you?

Mortgages, like any other financial obligation, are all about the numbers. Our custom mortgage modification calculator developed in house means fine tuned projections and industry leading accuracy or precesion. No one can give you exact numbers other than your lender but this gives you the next best thing.

We can keep their homes when they find themselves in troubled situations or helping them sell if their investment has become just too much to handles we work with Mortgage Services and our Client’s to reach their goals.

There is no just a one sized fits all so we also provided the following services:

• Repayment Plan
• Forbearance Lender Arrangement
• Loan Restructuring
• Short Refinance
• Deed In Lieu of Foreclosure
• Short Sale/Equity Sale
  • Sale of property
• Foreclosure postponement
• Disaster Relief (Hurricane and Property Claim Insurance Procedures)
  
• Sale Procedures
• Recast
• Partial Release
• Partial Claim (FHA)
• Second Mortgage Full Settlements- Jr. Lien Release Negotiations
• Attributed to servicing all types of loans: A-Paper, ALT-A/SUB-PRIME, HELOC Equity/Construction,VA/VA Vendee, Goverment Loans, IMPAC, ETC.
  
• Escalation Processes (Workout Procedures)
  
• And more…

On the spot we help speak to your lender(s) so you don’t have to, if you choose not to. ACG’s experienced counselors, have dealt with nearly ALL loan types and can help you if you have a first mortgage, second mortgage or even help with other mortgage liens. We will work with you to collect, complete and execute the applications necessary with out the need of dealing with another collection agent* with your lender. Don’t explain yourself again and again. ACG does the waiting on hold, getting transfered around, and everything necessary to get the job done.  We work with all the parties pertinent to helping find the right solutions to your mortgage problems.  We find out what programs are available to you, while setting up arrangements that fit your needs.

ACG will bring internal knowledge of the banks programs as  ACG’s Account Managers have worked for and with the largest lenders in the United States for the better part a decade.

What mortgage assistance can ACG help me with?

Short Sale and Short Refinancing
Forbearance or Foreclosure Postponement Programs
Loan Modifications:

• Rate Adjustments
• HAMP/HASP/MHA
• Principal Rate Reductions
• Recasts
• Loan Restructuring
• 27 Types of Loan Modifications and Growing

Here are just a few of the lenders we are able to work with:

ABN Amro, American Home Mortgage, America’s Servicing Company (ASC), Ameriquest, Aurora Loan Servicing, Bank of America, Bear Sterns, Chase, CIT Group, City Mortgage, Citi Mortgage Inc., CitiFinancial Mortgage, Citi Residential Lending,Countrywide, DITECH, EMC, EverHome Mort., First Fed Bank of California, First Franklin/HLS, Flag Star, GMAC, HLS, Homecomings Financial, Home Eq, Household Mortgage, Household Finance, HSBC Mortgage Corp., HSBC Mortgage Services, Irwin Mortgage, Irwin Home Equity, Indy Mac, Litton Loan Servicing, Loan Care Servicing, Lockheed Federal Credit Union, New Century, New South Federal Savings Bank, Ocwen, Option One, PHH, Ready Product Corp., Resurgent,Saxon, Select Portfolio, Specialize Loan Servicing, United Guarantee AIG, United Mortgage and Investment, Vericrest Financial, Wachovia, Washington Mutual, Waterfield Mortgage,Wells Fargo and Company, Wilshire, Winstone Mortgage Fund, LP, World Savings and many more.

**Absolute Consultant Group does not directly offer any financial or legal advise or provide any financial or legal services. ABSOLUTE CONSULTANT GROUP DOES ALL OF ITS OWN LOSS MITIGATION PROCESSING. If you are requesting tax advice or legal advice by speaking with an agent or filling out an application you will be referrer to a registered/licensed third-party in the Home Foreclosure Financial Help Network for those services.  Companies and the law firms in the Home Foreclosure Financial Help Network are registered/licensed in your state and are in the highest standing with the state and federal entities where applicable. If you have any questions, concerns or need additional concerns please contact us at 888-934-3444.

How can I save my home? What does ACG do?

• We speak to them for you. We help by talking to your mortgage company on your behalf. Understanding what they are saying is very important.
• Time Savings. We can help save time knowing what direction to take or department to call.*
• Customize your program. We help customize a plan around you and your monthly budget.
• We understand that help does not come in the form of just one solution. We work only with your approval to find a balance amongst the arrangements and your obligations.
• Keep or Sell. ACG is here to help. You choose. Not the bank. We help you define what it takes to meet your goals..
• Options you didn’t know about. We open up options that you didn’t even know existed.
• You’re assigned to one person. That means you do not call and have to explain yourself every time.
• No more needing to explain yourself over and over again.

Arrangements around YOU!

Finally someone in your corner. We are looking to set you up for success. Don’t be set up to fail. Plans split up what you owe over a period of time to meet your budget and still leave the flexibility to pay your obligations

Learn More about all our services: Click Here

*Most Lenders and Mortgage Servicers are working on behalf of an investor or the party that holds the risk against your mortgage or note. In most cases these investors can have hundreds (if not thousands) of pools of loans each pool coming with it’s own set of rules. That means that in many cases your lender may not be working a file in a general department. It could be assigned to a specific department or a specific point of contact. ACG does not have access to know in many to most cases who the investor is or who it is assigned to prior to commencing its services. Their experience does allow them to work quickly but does not guarantee any particular turnaround time frame(s). Other factors such as whether or not the mortgage is insured by a mortgage insurance company may also influence the processing along with many other unforeseen factors.

Full Reinstatement- This is the act of taking the account out of foreclosure or default status by making a payment in full for the defaulted amount plus the additional payment of all fees assessed up until that time. Normally you have to order this fee and then in most cases you are provided with a window of 2 weeks to pay the amount quoted.  The reinstatement figure generally includes covering all attorney fees and costs, along with all the back due payments, and the late charges. At times this may also include escrow deficiencies (if applicable). Other fees as well may be assessed in the case of a borrower being delinquency. These additional fees are associated with your lender’s servicing of your loan which may include inspections fees, winterization fees (depending on what part of the country you located in) and many other fees. These fees are at your inconvenience. In many cases the money to take the mortgage out of foreclosure is not available as in the case if it was the homeowner would most likely not be in foreclosure to begin with.

Partial Reinstatement- This is very similar to a Full Reinstatement but in this case only a portion of the defaulted amount is payed by the borrower in order to postpone or place the foreclosure in hold. This may include paying back due payments only, attorney fees only, or in some cases only that amount that takes the account out to come out of default. Different lenders have different rules as do the different investors that the each lender services. Every case is different so check with your lender’s guidelines for details.

Refinance- Get another mortgage or new financing to pay off the current loans and may be consolidate some debt along with it. In some cases the actual lender that holds the mortgage note will look to refinance you but usually it is only in regards to the term and consolidating debt in most cases is not an option. Paying off an old mortgage with the funds from the new loan can extend the life of your mortgage. Usually this is done with different (and ideally better) interest rates or terms. NOTE: If you are in foreclosure many lenders will consider you a higher risk and therefore lending may be considerably more difficult to obtain.

In most cases, to use this as an option, a borrower has to see the problem of falling delinquently before it has actually happens. In order to refinance you can not have an 30 day lates on your credit generally for over 12 months. If borrower is delinquent on their mortgage, it is probably too late for this option. Many times this will actually include taking cash out of the equity or what is referred to “cash-out refinancing”.

Refinancing is an option that is often confused with getting a second mortgage. A second mortgage is when a completely separate mortgage, along with separate mortgage payments. During this type of transaction the borrower does not change the terms of the first mortgage. Borrowers should be aware that their payments are going to increase as they are only adding and additional payment to their monthly out go.

Short Refinance- Short refinancing has become a popular option for clients who have experience drops in their properties value. Refinancing into a smaller mortgage can really help lower the monthly out go of funds. Please be advised that the current mortgage/lien holders may all have to approve of the short refinance. Consult a professional for additional details.

Short Sale or Short Pay off - This is the sale of your property but for less than what you owe against it. It could be to the first or second mortgage or both. It’s important to review all options in order to know what is best for you.

Walking Away From a Foreclosure- This does not stop foreclosure. The foreclosure will happen and you will receive a 1099 for the difference of what is owed and what the home sells for at auction. At certain times a homeowner may choose to walk away from the property because of valuing the options and choosing to leave and move on. Important: Please consult an attorney for advise. Many states allow for deficiencies so we suggest to take all factors into consideration.

Partial Claim- Government backed loans may have the options to take a claim against the insurance and pay their loan up to date with a silent second that does not need to be paid until the loan is paid off, through the sale of the property, or at the time of refinancing.

Loan Modification- This is a very broad term that mainly consists of changing the original terms of the mortgage note. Consult a professional as in some cases there may be 27 or more different types of loan modifications. For legal advice always consultant an attorney.

Forbearance Plan- This plan is basically consistent of being an agreement between the lender and the borrower to place on hold the foreclosure along with postponement of any pending sale dates. Now to explain thoroughly it is important to understand that many times “Forbearance Plan” is a misnomer. Many times it turns out a forbearance plan may be another name for a loan modification or a repayment plan.

Deed-in-Lieu of Foreclosure- At times, due to many different reasons, it is easier for the borrower as well as the bank/lender to exchange a release of the property for release of the responsibility of the note. In many cases if there are additional liens against the property (second mortgage, mechanics liens, IRS lien, etc.) the lender will not be able to accept a deed-in-lieu of foreclosure without the rest of the lien holders agreeing to it. In most cases if they are not settled in a different manor the second and any other lien holders will not most likely allow this type of transfer.

Bankruptcy- If the borrower has gotten to the place where their debt has become over whelming, modificaitons of all the debts to an affordable amount is not available/possible then bankruptcy may be the answer. Bankruptcy may consist of letting go of all your assets and can also consists of setting up a repayment plan with all your lenders through the court appointed trustee. Seek legal counsel before choosing your options.

There may be many services that ACG offers that may help you postpone your foreclosure sale and buy more time to help you find the solution you were looking for.

Want to know more? Check out our services page on the right side for more details.

ACG Vs. ACG w/ Attorney

*ACG’s attorney network does what it can to balance out the numbers but even with the numbers being balanced and analyzed in every possible way certain factors such as having too much equity or not enough are factors outside of ones control in most cases and therefore may be reasons for declination even if all the right steps and strategies have been executed by all the parties involved.

Your Agent Vs. ACG Vs. ACG w/ Attorney

Second/Third/Jr. Lien Mortgage Settlement

Work in the office that
actually works around you.

How can I be in more places at one time?

24/7 Online Presence.

24/7 Receipt of Faxes.

Custom Interface Website.

SERVICES:

Pick and Choose the ones right for you and your business.

• Custom Phone/Fax Systems (VoIP or Landline)(Virtual (Hosted)/Local)
• Website/E-Commerce (Building/Deploying/Hosting)
• Custom Email Templates/Signatures

Services we also provide:

Content Maintenance - Updating sale statistics/milestones, logging events, and keeping in touch with your clients all while you work on refining what makes you money. Our team of specialist pinpoint the key topics surrounding your industry and can populate your site either with a one time file or ongoing management of the content that keeps people coming back.

SEO Submission - Specialized techniques get your site ranking higher on the keywords that matter most. It takes a knowledge of a changing industry and brings you to the forefront without having to keep up.

Gorilla Marketing - This day in age with a grass roots type movement, online or via legacy methods, there is nothing better than word of mouth. In fact this accounts for the #1 highest rate of return than just about any other avenue. We bring your marketing efforts to the street.

Crowd Sourcing for Small Business - Start understanding how tomorrow you could have a workforce of thousands, without having to ever open up a brick and mortar, and how you can turn it on as easily as you can turn it off.

Enterprise Services:

Hosted/Local Email (IMAP/POP3/Exchange) - These days we all depend on emails and the exchange of electronic information across secure methods. Flexible, Quick and Robust we keep your company moving at the speed of inspiration.

Branded Individual Sales Agent Platform - Keeping a formalized theme while allowing your staff to create and add their own content and individualize their own portals gives you and your staff the opportunity to shine without loosing the overall brand message.

Cloud-Based Client Relationship Management Development - How you obtain your clients is almost as important is how you manage them. Piles of papers, files stacked to the roof and old software geared for other business can drag down your bottom line. Our development team is prepared meet your company’s structure head on with the uniformity of a cloud based system helping manage down those key tasks.