Welcome Home to Boise

Hi My name is Carol. Do you think you need to sell your home because you can't make the payments anymore?

Well, there are actually nine options of which one might work for you:

1. Do Nothing
2. Payoff/Refinance
3. Reinstatement
Loan modification
4. Forebearance
5. Partial Claim
6. Deed in Lieu of Foreclosure
7. Bankruptcy
8. Short sale

Some of these might look complicated and you don't understand what they mean. Most people don't. Also, many people will say, I can't afford to pay you so there is no help available.

Not True!

This is important. Usually there are no fees involved or if so very very small fees. We have worked with people who have been very rich (yep, they have their problems too) to people who don't even have a nickle.

Please give us a call at 367-1621.

We are a local company and have helped many many people make decisions on how to get to to the next chapter of their life. There are literally millions of people facing these issues every single day. You are not alone. When you call us you may get a voice mail and I do apologize for that. We get calls at all hours of the day and night.

All information will be kept strictly confidential!

Kathy and I have families, husbands, children and grandchildren, some of whom have had to do a short sale. So, we truly do understand the pain, the embarrassment and/or the harassment.

We Can HELP!

Kathy and I have lots of experience, and credentials to walk you through this and on to the next chapter of your life. We can help if you will let us help. If you are losing sleep wondering what is going to happen, please pick up that phone and call. Leave a good time that either Kathy or I can call you and discuss your situation. Email is also available. And,if you prefer we can meet at our downtown Windermere office.

Please don't feel intimidated. We have seen it all..and most importantly, we can ease your pain.

Again, please call me 367-1621 or contact me at This e-mail address is being protected from spam bots, you need JavaScript enabled to view it

We look forward to talking to you...to meeting you...and to getting you on with your new life...

Fannie Mae recently released updated underwriting guidelines for new mortgage loans that directly address individuals with various types of foreclosure history. Potential borrowers with a foreclosure on their credit record must wait 5 years to be considered for new funding, and are subject to additional credit and down payment requirements for 5 to 7 years. Deed-in-lieu-of-foreclosures warrant a 4 year wait with additional requirements for 4 to 7 years.

Finally, the silver lining...Short Sales require only a two year wait with no additional requirements. These new guidelines make short sales a more attractive option for homeowners as well as provide realtors with a tremendous opportunity to assist distressed homeowners with a short sale AND future home ownership. This information can be very valuable when meeting with short sale prospects.