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How to Avoid Foreclosures

Early Deliquency Intervention

Major life changes such as loss of a job, illness, or divorce can leave a person facing financial difficulty. Taking action right away is essential in reducing the possibility of foreclosure.

  • DON'T ignore the problem.
  • Call us and let us know as soon as you have a problem. You may reach us Toll Free at:  (800) 585-7575
  • Open and respond to our letters.

If you are receiving late notices from Sunset Mortgage, Inc., you need to contact us and let us know the circumstance that caused you to fall behind on your loan payment. Don't wait until it is too late. The sooner we can work with you to get you caught up the better. Each work out program will be reviewed on a case by case basis.

Options to avoid foreclosure

If you have an existing Real Estate Loan with Sunset Mortgage, Inc. and feel you may be unable to maintain payments, some options that may be available are:

  • Reinstatement
  • Repayment or a catch-up plan
  • Forbearance
  • Loan modification
  • Refinance
  • Foreclosure
  • Sale of the property

Please be prepared to provide specific details about your financial situation. Below is a list of financial information you should collect before calling us to discuss what options there may be to avoid foreclosure:

  • Income Documentation, such as current pay stubs, income tax returns and bank statements
  • Employment information
  • List of all monthly obligations/payments with corresponding balances owed on each debt

If your home is listed for sale, please provide a copy of your listing agreement/ and/or written purchase offer(s). If you have had your home appraised, please provide a copy of your appraisal.

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