Home Retention Alliance of California stands for honesty, integrity and reliability.
We believe our clients deserve service that exceeds expectations. Whether it’s fighting your trustee to postpone your foreclosure or working with your bank to provide a more affordable payment, we want to help our clients stay in their home. Each client is treated as part of the family and provided with the best possible loan for their unique situation.
In this changing market with home values declining and lending guidelines tightening, more and more homeowners are finding themselves in foreclosure. We innovated and looked outside the box to find a solution to this growing problem. Knowing the limitations of traditional lending in the mortgage industry, we envisioned a brand new concept and created a real solution for struggling homeowners.
Home Retention Alliance of California employs a team skilled in several fields, loan and mortgage experts, financial professionals, and technology specialists. We give you the advantage when seeking mortgage options. Our handpicked group of seasoned professionals have extensive industry-related relationships, in depth program knowledge and a proven track record of integrity and due diligence. Strong negotiation skills and extensive product knowledge are put to work on your behalf. Great service and a customized solution is the result.
To remain competitive in today’s mortgage industry, we have reaffirmed our commitment to provide excellent customer service and integrity. Unlike law firms and other loan modification companies, we do not charge any upfront fees. We don’t follow the latest trends in the mortgage industry. Instead, we create real solutions relative to our clients specific needs.
At Home Retention Alliance of California we recognize and rely on the concept that our client’s experience with us will help us grow through referrals and lifelong business relationships. We believe that each and every one of our clients deserves the intimacy of working with only one Loan Professional from beginning to solution.
Our mission statement is simple… we want to create clients for life.
5 Tips to Avoid Being Scammed
1. Never pay up-front fees. In California, foreclosure consultants, including attorneys, are prohibited by law (Civil Code 2944) from collecting money before services are performed. Any company asking for upfront fees is breaking the law and should be reported.
2. Never ignore letters from your lender or loan servicer. Open, read, and respond to all letters from your bank. Often times, very important time sensitive documents are sent to homeowners in foreclosure. Responding to your bank in a timely manner is one of your best bets for saving your house.
3. Don't transfer title or sell your house to a "foreclosure rescue company." Beware! This is a scam to convince homeowners they can stay in the home as renters and buy their home back later. By transferring your title, you no longer own your home, and the scammer can legally evict you and take possession of your home.
4. Don't pay your mortgage payments to anyone other than your lender or loan servicer. If you are approved for a loan modification, have the agreement in writing. Make sure that the terms of the modification agreement are accurate. Never sign any documents without reading them first.
5. Be aware of law firms who claim they can “stop foreclosure by suing the bank.” Unless someone forged your signature on your loan documents, the bank has the right to foreclose on any homeowner who stops paying their mortgage payments. California is a trustee state and foreclosures are processed non judicial, meaning the foreclosure is not handled in court. There are legitimate class action lawsuits against banks that are completely free for the homeowner to join. Often times, attorneys postpone foreclosure sales by filing emergency bankruptcy. When a homeowner files multiple times, it can be considered bankruptcy fraud.
All information provided in official Home Retention Alliance of California (HRAOC) Web sites is provided for information purposes only and does not constitute a legal contract between the HRAOC and any person or entity unless otherwise specified. Information on official Home Retention Alliance of California web site is subject to change without prior notice. Although every reasonable effort is made to present current and accurate information, Home Retention Alliance of California makes no guarantees of any kind.
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