Foreclosure Help Questions — Honest Foreclosure

A. Cost & The Catch

📍 Fear addressed: Predatory scams. You've gotten the postcards. The $5K-$15K loan modification specialist who delivered nothing. The FTC has sued over 600 of those companies.

A.1Is this really free? Where's the catch?

Yes. No fee, ever. The MARS Rule (12 CFR Part 1015) prohibits upfront fees for foreclosure-rescue work. I make money the same way I always have — as a Realtor. IF we end up listing the home together, that's the closing commission. If not, you've paid me $0 either way.

A.2Why would you do this for free? What's in it for you?

Three reasons. (1) The MARS Rule says I can't charge upfront. (2) The AI software that builds the loan-mod package is $20-$40/case. I absorb it. (3) Every case sharpens the playbook for the next family. Your case helps the next homeowner — and the one after that.

A.3Will you ever ask for money later?

No. The only paid relationship is the optional listing commission IF you ask me to list — never the other way around. The 2nd line of the written Triple Guarantee covers it. No exceptions.

Ready to start? $0 in. $0 out. Just the playbook.
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B. The 3D Method

📍 Fear addressed: Information overwhelm. You've been told twenty different things by twenty different people. Here's the 3-step method in plain English.

B.1What does 3D mean?

Defend, Delay, Decide. Three steps. In order. Each one buys you something specific.

B.2Why Defend first?

Because the lender's auction train starts the day they receive your custom mod package. DEFEND means filing The 1 Page That Stops Your Foreclosure — a federally-grounded loss mit cover letter under 12 CFR 1024.41 that legally pauses your sale for 60 days when filed at least 37 days before the auction. That's the foundation move.

B.3What does Delay actually mean?

Delay means filing the right paper to keep them in compliance review. RESPA QWR, securitization audit findings, court motions where appropriate — to push the sale date out. Sometimes 30 days. Sometimes a year.

B.4What does Decide look like?

Modification. Reinstatement. Sell on your timeline. Walk away with cash for keys. Your choice — not the bank's. About 50 of every 100 homeowners I work with land in modification. About 35 sell on their timeline. Either way, YOU decide.

That's the method. Now let's run yours through it.
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C. Credentials, Legal & Privacy

📍 Fear addressed: Servicer runaround. You've called the bank 17 times. Been transferred 6 times. You're not crazy — that IS the system.

C.1Are you an attorney?

No. Licensed Realtor FL #0668981 and CO #100080117. Nothing on this call is legal advice. If your case needs an attorney, I'll tell you and refer you to good ones. For 90% of cases, the work is operational — and I do that work.

C.2Will my information stay private?

Yes. End-to-end encrypted intake. Never shared without explicit permission. The form storage is dedicated to this site only. We retain anonymized conversation summaries for 30 days for product improvement, then delete.

C.3I'm not in Florida or Colorado. Can you still help?

Yes. The 3D Method works in any state. The only thing FL/CO licensure controls is the OPTIONAL listing path — if it makes sense to sell, I'll refer you to a vetted local Realtor in your state. For the loan mod package itself, federal law (12 CFR 1024.41) applies in every state.

Wherever you are — let's start there.
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D. Process & Timing

📍 Fear addressed: How much time do I really have? The single most-searched question from distressed homeowners.

D.1My sale date is in less than 30 days. Is it too late?

Maybe. Maybe not. The Steamboat case was four days from auction and we vacated the sale. If you have a sale in 7 days, please call (720) 821-0667 immediately — don't fill out the form. I have same-day emergency slots for cases inside 14 days.

D.2I already filed bankruptcy and it was dismissed. Am I out of options?

No. Dismissed BK doesn't end your foreclosure case. The 3D Method assumes BK has been tried and failed. We can still file a complete loss mit application + push for a real modification + (if you have equity) explore a non-judicial sell-with-equity exit.

D.3How long does the AI loan-mod package take to build?

9-10 business days from a complete intake. Reviewed personally by Chris before it ships.

D.4My servicer just transferred. Does that change things?

It can change the timing — we rebuild the package for the new servicer's format. Common with Mr. Cooper, Rocket, PHH transfers.

Time matters. Let's not waste any.
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E. Lenders & Servicers

📍 Fear addressed: Loan Mod Trial Period Trap. 1 in 3 homeowners are denied after trial payments — and it's almost always paperwork.

E.1Which lenders / servicers do you handle?

All major ones — Wells, Chase, Mr. Cooper, Rocket, PHH, Carrington, Specialized, Shellpoint, LoanCare, Selene, Freedom, Newrez, plus major credit-union and portfolio lenders. The 22-question intake captures yours.

E.2My loan is FHA / VA / USDA. Different rules?

Yes. Longer modification options built in. Often easier than conventional. We use the FHA-HAMP, VA-COR-mod, and USDA-MRA waterfalls accordingly. (The VASP program closed 5/1/2025 — if anyone told you VASP is on the table, they're wrong.)

E.3What about a second mortgage, HELOC, or judgment lien?

All separate negotiations. We handle the first-lien mod and the strategy for the rest.

Whatever lender — same playbook.
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F. Credit & Outcomes

📍 Fear addressed: Loan Mod Trap + future credit damage.

F.1Will The 3D Method hurt my credit?

The method itself doesn't touch your credit. Modification = best for credit. Completed foreclosure = 7 years on your record. A modification + on-time payments is the fastest way to rebuild credit.

F.2What outcomes have you seen?

Of 3,952 cases: ~82% modified, ~21% sold on owner's timeline, ~12% deed-in-lieu / cash-for-keys, ~4% no resolution found. The 'free home' outcome is about 2-10% — rare, real, never promised.

F.3Is there a guarantee on outcomes?

I guarantee the work, the package, the plan — at $0. Not what your servicer will do. The Triple Guarantee on Page 1: Pay Nothing, Keep Everything, Decide Freely.

Honest about outcomes. Honest about everything else.
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G. Will You Try To List My House?

📍 Fear addressed: Predatory scams + 'they just want my house.'

G.1You're a Realtor. Pitching me to list?

No. Decide Freely. I won't bring up listing unless you do. My job on the call is to help you keep the home if we can. About 65 of every 100 homeowners I work with keep the home.

G.2What's the difference between you and 'we buy houses' companies?

They make money by buying your home below market — your urgency is their margin. I make money only IF you ask me to list at fair market price. Different business model. Different incentives.

G.3Why should I trust you over the postcard guys?

Three reasons. (1) I'm a licensed Realtor in CO + FL — license numbers public on every page. (2) I lost my own home in 2009. Public record at 2104 SW 14th. (3) I give you over $15,000 in templates and 180 days of coaching FREE — before you've decided anything.

That's every question I usually get. If yours isn't here — bring it to the call.
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