Home Alliance USA Foundation

 A Real-Estate Consulting Firm      

Educating Homeowners Nationwide

"Giving Up Is Not An Option"

Home Alliance USA
P.O. Box 48144
Washington, DC 20002
ph: 800-864-5440
fax: 800-864-8655

"Our Services"

Loss mitigation programs were created by the federal government and the mortgage industry to stop home foreclosures. They help foreclosure homeowners in default on their mortgages to find an alternative to home foreclosure. Each homeowner's situation is unique and each lender has their own policies in reference to programs to stop foreclosure. After we have a thorough assessment of your personal finances and analyzing your lender's loss mitigation policies our licensed loss mitigators will negotiate with your lender to get you the best possible solution for your foreclosure problem. We can help you save your home and credit history through a variety of options:

  • “A LOAN MODIFICATION”

    If you have incurred a long term financial hardship, our office can assist you in supplying the appropriate information to lender to take the appropriate measures to modify the term(s) of your mortgage. This could lower the interest rate and/or extend the term of the loan resulting in lower payments. There are costs and fees associated with a modification that you may/may not be responsible for. Any other mortgagees must agree to be subordinate to the first mortgage. All requests are subject to your lender's approval.

  • “A SHORT SALE”

    If you have suffered a financial hardship and are unable to maintain your loan, or if you need to sell the property to avoid being foreclosed the lender may be able grant you with a short payoff. If this is an option you wish to pursue, you must inform our licensed staff immediately. There may be tax ramifications associated with any short sale or foreclosure; therefore, we recommend you contact  your tax advisor for details. Some states permit lenders to seek a deficiency judgment for the amount the payoff was shorted and some states do not.

  • Other Services

    WE also OFFER OTHER SERVICES which include: FORBEARANCES, DEED-IN-LIEU DEED RECORDATION SERVICES, NOTARY, BROKER’S PRICE OPINIONS, HOME INSPECTIONS, TITLE ABSTRACTS and much more!

Loss mitigation techniques that preserve homeownership are generally less costly than foreclosure, particularly when applied before default. Prudent loss mitigation strategies may include loan modifications; deferral of payments; extension of loan maturities; conversion of adjustable-rate mortgages into fixed-rate or fully indexed, fully amortizing adjustable-rate mortgages; capitalization of delinquent amounts; or any combination of these. As one example, servicers have been converting hybrid adjustable-rate mortgages into fixed-rate loans. Where appropriate, servicers are encouraged to apply loss mitigation techniques that result in mortgage obligations that the borrower can meet in a sustained manner over the long term.

Home Alliance is dedicated to helping the Homeowner in any situation. Rather it's to keep your home, sell your home, rent a home, or re-locate.

" Satisfied Homeowner" 

" I was behind on my bills, and mortgage. I felt like I was losing my mind. I was even put on medication to help me sleep at night, and things was not well. When I met with you and your staff at Home Alliance, in a matter of 8 days I was able to save my home. I had no idea this could be done. My mortgage company never told me any of this. For some reason you all talking to them did more good than it ever did for me. I really am thankful for the hard work and the time spent to explain things to me and my husband. I didn't know what was going on and all the mortgage company wanted was money, money, money. I didn't have it, and it stressed me out bad! When things did not seem okay, you would have the words to calm me down. You told me what I needed to do to fix my situation and you explained the implications that were in the course of happening if I didn't respond fast.

I will always recommended your services to my friends and church members. Once again, I appreciate your hard work and your knowledge to help homeowners like me. I will always be grateful, and thankful for you all."

Mr. & Mrs. Roberts (April 3, 2008)

Largo, Maryland

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Home Alliance USA
P.O. Box 48144
Washington, DC 20002
ph: 800-864-5440
fax: 800-864-8655