Learn all about the foreclosure process & what steps you need to take immediately!!

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A Home Owners Guide to Foreclosure


  • Loan Modification
  • Forbearance
  • Short Sale
  • Bankruptcy
  • Deed in Lieu
  • Foreclosure

These  options have various consequences.
There are tax & credit consequences.  Some impacting
you for a longer time period than others.
Make sure to do thorough research prior to committing
to any service provider.  If you want legal advice
please call Scott Sounders for his expert suggestions.
Call me for a FREE No Obligation Consultation
Jodi Schanz
(714) 679-3348
or submit this brief questionnaire
and I will be
happy to call or email our suggestions.

"The Realty Network Short Sale Team really made us feel like everything was under control, and that they had our best interests in mind.  They were always a phone call away."
Irvine Family (short sale) 2010
FREE Shortsale  Services
We have helped many families & individuals:
  • Avoid Foreclosure
  • Have their Mortgage Debt Forgiven
  • Receive Relocation Assistance & Monetary Help
  • Reduce the Impact on their Credit

You Pay NO Agent Commission!!

Our Short Sale Consultants have helped dozens of homeowners stay in their homes longer and receive monetary assistance to help move to a new home.

We are familiar with the government assistance programs that are in place to help distressed homeowners. 

We have negotiated with several banks including but not limited to; B of A, Chase, Wells Fargo and others.
Option #1 - Loan Modification

The current law prevents anyone, including real estate agents & attorneys from charging borrowers upfront fees for loan modification services.

If a third party tries to help you get a loan modification they must complete the process before collecting any money.

If you are in default, your lender is obligated to discuss with you a loan modification or forebearance agreement prior to initiating the foreclosure process.

In order to be approved for a loan modification you must demonstrate that your financial situation is improving and is stable.  Your lender wants to know that you can afford and can maintain the new payments they offer.
They also want to know what your current debts are, and if you have any left over funds after paying all of your monthly bills.

If you have lost your job, have more bills than your current income can handle with no left over cash, no immediate hopes for a new job, then most likely a loan mod will not be approved.

For FREE Advice contact:

The U.S. Dept. of Housing & Urban Development
This department offers Foreclosure Avoidance Counseling through a non-profit organization.
Call 1-800-569-4287 or vistit www.hud.gov

Or, HOPE NOW Alliance which consists of loan
counselors and HUD intermediaries.
Call 1-888-995-HOPE or visit www.hopenow.com

Scott is a real estate attorney in Orange County, California.

If you need legal advice call Scott @
or email

BEWARE of Scams
and other professionals that want your money prior to providing any real services!
Tell a friend about this page
Jodi Schanz
Realtor - DRE#01894509
(714) 679-3348
Email Me

I created this site to help you understand how you maybe able to save your house.
I would be happy to sit down with you and explain the various options and answer all
of your questions.

Thank You card from one of my recent clients:
I treat all my clients like they are family.  I put alot of dedication, time, and energy into the short sale process.

I understand the emotional impact of losing one's home, and I want to relieve as much of the stress as I can.

Let me help you make the right decision for your personal situation by going over the options available to you.

Give me a call or email me as time is of the essence.