Facing Foreclosure or Serious Property Debt?

You May Still Have Options—But Timing Matters

Falling behind on a mortgage can happen to anyone. A job loss, divorce, medical bills, increased expenses, property liens, judgments, or collection accounts can quickly place your home and finances at risk.

You do not have to figure everything out alone.

Access Funds helps homeowners review possible financing solutions based on their property, available equity, income, credit profile, outstanding debts, and foreclosure timeline.

Request a Confidential Property Review

There is no obligation to proceed. Financing is subject to application, underwriting, property evaluation, program availability, and lender approval.

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situations We Review

We work with homeowners experiencing:

• Missed or late mortgage payments
• Pre-foreclosure notices
• Pending foreclosure proceedings
• Property-tax liens
• HOA or condominium liens
• Contractor or mechanic’s liens
• Court judgments
• Collection accounts
• High-interest personal debt
• Mortgage arrears
• A scheduled foreclosure or auction date

The earlier you contact us, the more time there may be to evaluate your available options.

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Possible Financing Solutions

Depending on your qualifications and the equity in your property, potential solutions may include:

Mortgage Refinancing

A new mortgage may provide funds to pay off an existing mortgage, eligible liens, judgments, or other debts.

Equity-Based Financing

Homeowners with sufficient property equity may have financing options even when their credit is less than perfect. Approval is not guaranteed and other qualifications will apply.

Cash-Out Refinancing

If the property has enough available equity, a cash-out refinance may provide funds to address mortgage arrears and qualifying debts.

Short-Term or Private Financing

In certain situations, short-term financing may provide additional time to stabilize the property, refinance into longer-term financing, sell the property, or complete another planned exit strategy.

Debt Payoff at Closing

Some liens, judgments, collections, taxes, or mortgage arrears may be paid directly from loan proceeds at closing, provided the financing is approved and sufficient proceeds are available.

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How the Process Works

1. Tell Us What Is Happening

We begin with a confidential conversation about your property, mortgage balance, debts, income, and important deadlines.

2. We Review the Property and Available Equity

We estimate the property’s current value and compare it with the mortgages, liens, judgments, taxes, and other debts that may need to be paid.

3. We Evaluate Potential Financing

If financing appears possible, we explain the programs that may fit your circumstances, including estimated payments, costs, risks, and requirements.

4. You Decide How to Proceed

You are never required to accept a financing proposal. You should review all documents carefully and consult an attorney, housing counselor, tax professional, or financial adviser when appropriate.

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Why Homeowners Contact Us

• Private and respectful service
• Straightforward explanations
• No judgment or high-pressure sales tactics
• Experience with real estate and mortgage transactions
• Review of both the property and the homeowner’s financial circumstances
• Clear explanation of costs and potential risks
• Coordination with lenders, title professionals, and attorneys when authorized

Every homeowner’s circumstances are different. We will tell you honestly whether financing appears possible based on the information available.

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Important: Do Not Ignore Foreclosure Notices

Financing does not automatically stop a foreclosure, lawsuit, sale, or auction. Continue communicating with your mortgage servicer and attorney, and respond to all court documents by their stated deadlines.

You may also obtain free assistance from a HUD-approved housing counselor by calling 800-569-4287.

If you have received legal papers or have an upcoming foreclosure sale, speak with a qualified foreclosure-defense attorney immediately.

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Frequently Asked Questions

Can you guarantee that I will avoid foreclosure?

No. No legitimate provider should guarantee a specific result. Available options depend on your lender or servicer, your legal deadlines, property value, equity, income, credit, debts, and financing approval.

Can I qualify if my credit has been damaged?

Possibly. Some programs place greater emphasis on property equity, income, or an acceptable repayment plan. Credit requirements vary, and approval is never guaranteed.

Can financing pay liens and judgments?

Potentially. Certain liens and judgments may be paid from the financing proceeds at closing. The title company and lender must confirm the amounts, payoff requirements, lien priority, and available funds.

What if my foreclosure auction is approaching?

Contact a qualified attorney immediately. We can review potential financing, but submitting an application does not postpone or stop a foreclosure sale.

Will contacting you obligate me to take a loan?

No. An initial review does not require you to accept financing. If an option becomes available, review its interest rate, payment, closing costs, prepayment terms, and risks before deciding.

What information will you need?

We may request:

• Property address
• Estimated property value
• Mortgage statements and balances
• Foreclosure or court notices
• Auction date, if one has been scheduled
• Property-tax and HOA balances
• Information about liens and judgments
• Income and employment information
• Credit authorization, when required
• Your plan for keeping or selling the property

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Take the First Step Today

The longer a foreclosure or lien problem continues, the fewer options may remain.

Contact Access Funds for a private, no-obligation review of your situation.

Call: 718-216-6025 / 631-480-4448
Email: 1stoprealtorny@gmail.com
Service Area: NYC Tri-state areas, Nassau and Suffolk County, NY

Request a Confidential Review

Name:
Phone:
Email:
Property address:
Estimated property value:
Approximate mortgage balance:
Type of problem:
☐ Missed mortgage payments
☐ Pre-foreclosure
☐ Foreclosure action
☐ Scheduled auction
☐ Property-tax lien
☐ Judgment
☐ Collections
☐ Other

Is an auction date scheduled?
☐ No
☐ Yes — Date: __________

Preferred contact method:
☐ Phone
☐ Text
☐ Email

[SUBMIT: REVIEW MY OPTIONS]

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Required Disclosures

Access Funds is not a law firm, government agency, mortgage servicer, or HUD-approved housing counseling organization. We do not provide legal, tax, or credit-repair advice.

We cannot guarantee loan approval, modification of an existing mortgage, removal of a lien or judgment, postponement of a foreclosure, or prevention of a foreclosure sale.

Submitting an inquiry or financing application does not stop collection activity, legal proceedings, foreclosure deadlines, or a scheduled auction.

All financing is subject to application, verification, underwriting, acceptable property valuation, title review, program availability, lender approval, and applicable laws. Rates, payments, fees, and terms will vary.

Important: Do Not Ignore Foreclosure Notices

Financing does not automatically stop a foreclosure, lawsuit, sale, or auction. Continue communicating with your mortgage servicer and attorney, and respond to all court documents by their stated deadlines.

You may also obtain free assistance from a HUD-approved housing counselor by calling 800-569-4287.

If you have received legal papers or have an upcoming foreclosure sale, speak with a qualified foreclosure-defense attorney immediately

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