Home Retention Programs

Programs that may be available to qualified borrowers with lenders’ approval.

Options that may be available to borrowers
who are unable to afford their mortgage payments and who wish to
avoid foreclosure, and instructions on how to explore those options:

  • At this point, if your loan has not matured, you may bring your
    loan current if you have the ability to do so.
  • The U.S. Department of Housing and Urban
    Development (HUD) funds free or very low cost housing counseling
    nationwide. Housing counselors can help you understand the law
    and your options, organize your finances and represent you in
    negotiations with your lender if you need this assistance. Find
    a HUD-approved housing counselor near you or call (800) 569-4287
    or TTY (800) 877-8339.
  • You may find other alternatives on the HUD website by going to the following web site at
  • [Refinance] Depending on your financial situation, you
    may be able to refinance your loan with your lender or with another
    lender.  At this time, there is no guaranty that you will qualify
    for a refinance, so you should consider all of your options even if
    you decide to try to refinance.
  • [Pre-foreclosure sale of property] If you cannot
    refinance your property, you may be able to sell it before it is
    foreclosed.  However, time is important so you may want to
    investigate this option and other options right away.
  • Depending on your financial situation, and subject to
    the lender’s policies and agreement, you may be able to arrange for
    the following in order to avoid or delay the foreclosure of your

    • A forbearance agreement or workout agreement
      where the lender and the borrower agree, in writing, that the lender
      will defer foreclosing so long as the borrower does certain things
      including, but not limited to, making agreed upon post-default
    • A loan modification – where the lender and
      borrower agree, in writing, to modify the terms of your loan;
    • If you have not been able to sell your property and
      have no lien junior to your lender’s deed of trust, your lender may
      accept a deed-in-lieu of foreclosure in satisfaction of
      the amount of your loan.
    • Where the current fair market value of your property
      is less than the amount you owe on your loan, the lender may agree
      to a short sale allowing your property to be sold for less
      than the amount of the loan balance.

The borrowers should collect and be prepared to present financial documents to the beneficiary or authorized
agent (Equity Investments Group) when discussing options for avoiding foreclosure:

  • Mortgage or Loan Statements from all Senior or Junior Mortgages.
  • Latest payment notification.
  • Letters from the loan servicer.
  • Personal information list including names
    of qualified borrowers, property and residence addresses, social security
    numbers, contact phone numbers, employers with addresses and
    phone numbers.
  • Pay Stubs from all qualified borrowers for two months.
  • Bank Statements from all qualified borrowers for two months.
  • List of All Assets & Liabilities

Note: If borrower is represented by an Agent or
Representative, then borrower needs to complete the Agent

Authorization Form. Please contact Equity Investments Group

to obtain this form.

Toll free telephone number to Equity Investments Group Lender
Services for borrowers who wish to discuss options for avoiding
foreclosure with their mortgagee, beneficiary, or authorized agent
(Equity Investments Group) is 1-800-455-8710
. Business hours are 8 a.m. to 5 p.m. PST,
Monday through Friday.

Please be advised that Equity Investments Group is attempting to
collect a debt and any information obtained will be used for that

The state Rosenthal Fair
Debt Collection Practices Act and the federal Fair Debt
Collection Practices Act require that, except under unusual
circumstances, collectors may not contact you before 8 a.m. or after
9 p.m. They may not harass you by using threats of violence or
arrest or by using obscene language. Collectors may not use false or
misleading statements or call you at work if they know or have
reason to know that you may not receive personal calls at work. For
the most part, collectors may not tell another person, other than
your attorney or spouse, about your debt. Collectors may contact
another person to confirm your location or enforce a judgment. For
more information about debt collection activities, you may contact
the Federal Trade Commission at 1-877-FTC-HELP or

Toll free number made available by the
United States Department of Housing and Urban Development (HUD) to
find a HUD certified housing counseling agency is 1-800-569-4287 or
TTY/TDD 1-800-877-8339.
You may find other useful consumer
information on foreclosure alternatives on the HUD website at
including an article on “Tips for Avoiding Foreclosure”.