Sample Pre Foreclosure Investor Letter

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(print letter on company letterhead paper)

Homeowner Name
City, State Zip

Solutions for Your Mortgage Crisis

Are you in financial distress because of your mortgage? Do you need to get out from under a payment that has become too hard to manage because you’ve lost your employment or your ARM has reset?

If so, you are certainly not alone. Hundreds of thousands of other Americans are in that leaky boat with you, and there’s no easy way out. But you do have choices, and you should take a look at all of them before deciding what to do.

You can:

  • File bankruptcy
  • Let the bank foreclose
  • Sell to an investor
  • Apply for a loan modification
  • Refinance
  • List your home as a short sale
  • Contact a credit counselor and get assistance with renegotiation

Bankruptcyhas helped some consumers. The courts now have the authority to let you keep your home and either forgive a portion of your debt or modify the terms so you can make the payments. If you’re also buried in medical bills, credit card debt, or other obligations you simply can’t meet, this might be the best solution.

But… bankruptcy stays on your credit report for 10 years and could keep you from moving forward in life. In addition, it places some restrictions on your life that you might find very unpleasant. It might not be the best choice for you.

Foreclosure is another option. You can simply quit making the payments and stay there until they knock on the door and tell you the bank now owns your home. For some this is a chance to live rent and payment free for several months and put away some money for a deposit on a rental home. But again – the effect on your credit rating is dire.

In addition, you run the risk of a huge financial obligation that will follow you around forever. When the bank sells your house at a loss because the market has fallen, they might be able to come back on you to make up the “deficiency” between your mortgage balance and the dollars they collected from the sale of the house. This is another area where the rules keep changing, so check this before you act.

If you want to save your credit rating… … Since both of those options involve losing your good credit standing, why not get out from under the burden with a quick sale to XYZ Investors?

We buy homes in any condition, anywhere in the ______ area. What’s more, we can act quickly, and get you out from under the burden before your credit report starts showing delinquencies.

If you’re “upside down” on your loan, or have second or third mortgages to deal with, our expert negotiators will help effect a short sale – saving you from the trauma of listing your home, keeping it in top showing condition for who knows how long, and worrying about whether it will sell in time to save you from foreclosure.

So call me at XXX-XXX-XXXX, write me at , or go to www.yoursitewithoptinbox and opt in to learn more about our company and our service. We’ll be happy to schedule a time to meet with you, view your home, and let you know what we can do to help.

I look forward to hearing from you,

Your Signature

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