Want To Avoid Drowning In Mortgage Debt? 

We provide loss mitigation services to homeowners who are having trouble paying their mortgage, and are at risk for being in
pre-foreclosure or foreclosure. Typically the loss mitigation process starts with qualifying a homeowner for a loan modification and/or forebearance to have the current mortgage terms changed to be more affordable. This presumes that the homeowner can afford to live in the home with a negotiated loan modification.

For homeowners that don't qualify for a loan modification and can not afford to stay in the home, we can represent them in a Short Sale. In a short sale, we negotiate with the lender to have the mortgage lien released at the true fair market value so the home can be sold quickly - despite having no equity. 

By doing a short sale, we help homeowners save their credit, avoid foreclosure, and start rebuilding their lives. A short sale also saves lenders the high costs of taking the home back in foreclosure by getting the home off of their books.
Our Short Sale Neogitation Service is FREE to homeowners - there is no out-of-pocket costs to the homeowner for our service.

Need Your Home Sold In A Short Sale?  Get It Valued Properly... 

Example:
 
Mortgage Balance Owed: $234,150      
Mortgage Payoff  "Short Sale Price" Accepted By The Lender: $117,000

The homeowners had this to say about the above result: "We were facing foreclosure and considering bankruptcy as a way out, as we could no longer afford our mortgage with the income we were making, and could not get our home sold for what we owed. We had to use our second mortgage to help pay off the first mortgage, and then we just got all tapped out and couldn’t afford either...Our experience working with Tom was an excellent one!  He worked with the banks in reducing the debt so we could sell our house, and got us a waiver on paying back the balances that we owed. He was always very helpful, and tried to keep us calm with whatever problems came up that we didn’t know how to handle. He always knew exactly what to do whenever we got calls or letters from the lender’s collection department, or from the lender’s attorney. We are both amazed at how smooth Tom made the entire ordeal go. We couldn't have done this without him."                                                             - Mr & Mrs. Frank A., Brick, NJ

A Law Firm's Experience: “If you need a top negotiating professional to get your mortgage reduced so you can sell your home quickly and avoid foreclosure, lien judgments, or bankruptcy, nobody matches the service or results that Tom Hinz and Apex provides. Tom has helped my clients tremendously with his short sale system and gotten results that most people would never think are possible."                             - Richard J. Harter Esq., Law Firm of Harter & Pfleger, Colts Neck, New Jersey

How Can We Help You?

I Am a HOMEOWNER That Needs To Avoid Foreclosure And Save My Credit

I Have A Client That Needs Loss Mitigation Help

Need More Information?
Call Tom Hinz at: 732-822-6870 for a FREE No Risk Consultation, or email at: thinz@apexgroupus.com  

Regardless of where your home is located, Apex can help you negotiate a better settlement than you could on your own...and save you a lot of  hassle dealing with investors, realtors, buyers, and the collections department at your lender.