Saving Your Home begins with the understanding that you have got to protect yourself, protect your home, and protect your future. Most of the banks today have worked diligently to try and convince homeowners that they can work directly with the bank and the bank will “help” them.

Although it is true that you can work directly with the bank, the majority of people who do so lose their home.

Throughout history Banks have not helped people who are financially distressed. There is a well-known saying, which most of us have heard, if you want to borrow money from a bank, then you will have to prove to the bank that you don’t need the money. That is what the banks consider a safe risk!

Sadly, people today have bought into the idea that the bank will help them, and as a result have lost their homes. The banks did what they always do: they reviewed your financials and your hardship letter, and decided that you are far too great of a risk, found a way to disqualify you for loan mod, and found a better way to make money off your loan. That is why they are planning to take your home.

Why Do People Think The Bank Will Help?

What are the Essential Steps to Saving Your Home?

• Stop Listenting to the Bank!
• Get somebody on your side that the bank cannot motivate through fear and manipulative techniques designed to cause you to give up hope and even welcome the bank taking your home — simply because you can stand another day of waiting, wondering, and worrying.
• Get a Complete Forensic Loan Review. Find out how many laws were violated by the banks when they gave you the loan.
• Let us advocate for you with the bank. It is not enough to know what the bank did, you need somebody who can now get the bank to see that they can no longer scare you, threaten you or push you around.

Statistics Show Foreclosure is an Epidemic

• Neighborworks America reports that 1 in every 200 homes will be foreclosed upon, and every three months another 250,000 people enter into foreclosure.
• As of June 2010, the RealtyTrac database of foreclosed homes that can be purchased now totals more than 2 million.
• St. Pete Times claims that more than 1 million homeowners will lose their homes this year as the banks continue to clear up a “backlog of problem properties”.

Loan Mod Stats Prove Banks Don’t Want to Modify

In 2009 the Federal Reserve Bank of Boston releases a study that shows banks don’t want to modify loans.

As of 12/31/2009 over 1.1 million people have applied for loan mods and only a little over 66,000 permanent loan mods for the Hamp program have been approved.

There are thousands of reports on a plethora of internet sites where people report that they were lead to believe they would get a loan mod and then lost their home to foreclosure.

One Person Cannot Stand Up Against an Army

You are up against thousands of people in the banking industry who do not want to:

• Reduce your principal balance.
• Lower your interest rate
• Forgive the late fees and penalties that they created
• Allow you to stay in your home
• Admit their own responsibility in giving you a loan you could never pay back
• Admit their own responsibility in servicing your loan in ways designed to make you fail
• Admit your own responsibility in leading you into a predatory foreclosure

Rockingham Associates Is on Your Side

• You are not alone anymore!
• Every day we go up against thousands of people in the banking industry who do not want to: reduce your principal balance.
• Lower your interest rate
• Forgive the late fees and penalties that they created
• Allow you to stay in your home
• Admit their own responsibility in giving you a loan you could never pay back
• Admit their own responsibility in servicing your loan in ways designed to make you fail
• Admit your own responsibility in leading you into a predatory foreclosure
• We get these things done for you!
• You keep your home (or shortsell if that is what you want)!
• You restore your dignity, your pride, and your finances!