Can you negotiate with my lender for me?

We are a real estate brokerage, not a law firm or a licensed loan modification company. What we do is help you prepare and organize a complete, realistic package, explain what the servicer is asking for, keep the timeline tracked, and work directly with the lender on the sale side when a sale is the path. For legal representation or a formal loss mitigation dispute, you want an attorney or a HUD approved counseling agency.

Should I pay a company that promises to save my home?

Be extremely cautious with anyone charging large upfront fees for foreclosure rescue. HUD approved housing counselors provide help at no cost. Our consultation is also free.

Will the servicer stop the sale while my file is reviewed?

Sometimes a sale is adjourned during an active review, but it is not automatic and it is not guaranteed. Never treat a pending review as a stopped clock.

What is a single point of contact?

Many servicers assign a designated contact for a delinquent loan. Ask for that person's name, direct line, and reference number, and use it consistently. Write down the date and time of each call.

They keep asking for documents I already sent.

That is common, usually because documents expired or the file changed hands. Send them again, keep the transmittal confirmation, and follow up in writing rather than only by phone.

What if a short sale is the realistic answer?

Then the negotiation shifts to the sale itself: an approved buyer, a supportable value, and lender approval of the terms. That is squarely brokerage work and we do it regularly.

Lender negotiation

Servicers are not villains. They are systems.

Loss mitigation departments follow investor guidelines, checklists, and internal clocks. Homeowners lose not because their case is weak, but because the file is incomplete, restarted, or handed to a new representative. Knowing how the system behaves changes the result.

Book Free Consultation Call or Text (734) 244-8125

Free, confidential, and no pressure.

What actually happens inside

Why good files stall

Almost every stalled review we see comes down to one of these three things.

Incomplete packages

A missing bank statement page or an unsigned form is enough to pause a review, and the clock often restarts when documents go stale after thirty to ninety days.

No single point of contact

Files move between representatives. If nobody on your side is tracking what was sent and when, the story has to be retold every call.

Unrealistic proposals

A plan that the household budget cannot actually support gets denied, and a denial costs weeks you may not have.

What loss mitigation usually asks for

A completed loss mitigation or borrower assistance application
Recent pay stubs, or profit and loss figures if you are self employed
Two or more months of bank statements, all pages, including blank ones
Tax returns and W-2 or 1099 forms
A hardship letter that states the cause, whether it is over, and what you are asking for
A monthly budget that is honest rather than optimistic

How we work the file

Build the package once, completely, before it goes in
Keep a dated log of every submission and every call
Resubmit documents before they age out of the review window
Model the proposal against your real budget so it can survive underwriting
Run a parallel plan, because a denial should not leave you with no options

Why Dave's background matters here

Before real estate, Dave was a bankruptcy counselor for the U.S. Department of Justice, reading household budgets and lender paperwork all day. He has also worked directly with lenders. That means the plan you propose is one a servicer can actually approve, and you are told early when it cannot be. More about that background

Questions about dealing with your servicer

Get organized

Bring us the paperwork and the pile gets smaller

Tell us where your file is stuck. We will tell you what is probably missing and what to ask for by name.

Reality Real Estate Brokerage is a licensed Michigan real estate brokerage. We are not attorneys, accountants, or tax advisors, and nothing on this site is legal, tax, or financial advice. Information here is based on our experience and is intended for general guidance. Please consult the appropriate licensed professional for your situation.

Let's talk about your situation.

A conversation costs nothing and there is no obligation. You will leave it knowing your options and your timeline.

Free, confidential, and no pressure.

Book Free Consultation Call or Text (734) 244-8125