REI Help Center

Most homeowners don’t know this 👇

If your foreclosed property sold for more than what you owed, the extra money (surplus funds) belongs to YOU — not the government.

The problem?
No one notifies you, and deadlines apply. Once time runs out, the funds can be legally kept.

Think this might apply to you?
📩 Message us — we’ll help you check at no cost.

Worried about foreclosure? Don’t lose hope, there are still ways to protect yourself and plan for a better future. Here’s a quick guide to help you understand your options:

💼 Avoiding foreclosure:
You may be able to prevent foreclosure through options like loan modification, forbearance, refinancing, short sale, deed in lieu of foreclosure, or bankruptcy. These can give you a fresh start.

🏠 Consider selling before foreclosure:
Selling your home before the foreclosure process ends can protect your credit and help you move forward with less stress.

ACT NOW!
If you’re struggling with payments or at risk of foreclosure, send us a message today. We’ll help you explore your options and find the best solution for your situation.

Selling might be a smart choice. A tough decision today can lead to a better tomorrow. Selling before foreclosure can help you rebuild faster.

At REI Help Center, we help you take back control — fast.

🏠 You may be able to:
✅ Pause or stop the auction date
✅ Rework your loan through modification
✅ Explore other options to stop the foreclosure
✅ Sell the property on your terms — even for cash "as is" !

📞 Talk to us: 404-382-8222
📧 [email protected]
🌐 reihelpcenter.com

Straight answers. No pressure. Just solutions.

At the auction, buyers can bid on the property. The lender bank or the highest cash bidder becomes the new owner. If bidders offer above the minimum acceptable to the lender bank and pays cash - they become the new owner - otherwise it becomes bank owned.

💬 Need help or advice?
Send us a message today! Whether you have questions or need guidance, we’re here to support you before the foreclosure happens.

1. Acknowledge the Situation
Take a deep breath and face your financial reality. Understanding where you stand is the first step toward finding real solutions.

2. Talk to Your Mortgage Lender
Contact your lender as soon as possible. Be honest about your situation and share any supporting documents. They might offer options like a loan modification or a repayment plan.

3. Get Guidance
You don’t have to go through this alone. Reach out to REI Help Center. We will guide you through your options and help you make informed decisions. We may even be able to delay your foreclosure auction.

4. Explore All Options
Look into possible alternatives such as refinancing, short sales, a deed in lieu of foreclosure, bankruptcy, or selling your home. Review these choices carefully with experienced advice.

Remember, you're not alone. There is hope, and there are resources available to help you through this difficult time. 💪🌟

📩 Send us a message today to know your options and get the support you need. We're here for you every step of the way! 💬🤝

DON'T ignore the problem. Foreclosure may feel overwhelming, but silence makes it worse. Speak up, seek help, and start your way forward.

At REI Help Center, we help you take back control — fast.

🏠 You may be able to:
✅ Pause or stop the auction date
✅ Rework your loan through modification
✅ Explore bankruptcy protection
✅ Sell the property on your terms — even for cash

📞 Talk to us: 404-382-8222
📧 [email protected]
🌐 reihelpcenter.com

Straight answers. No pressure. Just solutions.

Q: Will foreclosure ruin my credit forever?
A: It will impact your credit — but not forever.

Foreclosure stays on your credit report for 7 years, and the impact on your credit score will be to lower your score by approximately 100 to 160 points although will lesson over time.

Buying a home again is possible after a waiting period. For FHA loans its 3 years and for a conventional loan its 2 to 7 years.

Many homeowners think foreclosure only happens if you miss mortgage payments.
But tax foreclosure is real — and it can move faster than you expect.

If you’re behind on property taxes, you could lose your home even if you own it outright.

Here’s how we can help:
✅ Understand your repayment options
✅ Stop the tax sale process
✅ Connect with trusted tax resolution professionals
✅ Explore selling the property before the county does

💡 Don't wait for that final notice — get ahead of the problem.

You’ve got options. Let’s explore them together.

🎯 Pro Tip: Falling behind on mortgage payments doesn’t mean foreclosure is your only option.

At REI Help Center, we help you take back control — fast.

🏠 You may be able to:
✅ Pause or stop the auction date
✅ Rework your loan through modification
✅ Explore bankruptcy protection
✅ Sell the property on your terms — even for cash

📞 Talk to us: 404-382-8222
📧 [email protected]
🌐 reihelpcenter.com

Straight answers. No pressure. Just solutions.

Foreclosure Doesn’t Happen Overnight — But It Moves Faster Than You May Think!

Many homeowners only start to understand the foreclosure process when it's already too late. But if you know what to expect early on, you can take action before you lose control.

Here’s a simplified breakdown of what really happens:

🔹 Step 1: Missed Payments (30–90 Days)
You miss a few mortgage payments. Your lender will usually start contacting you — by phone, mail, or both.
👉 What you can do now: Call your lender or reach out to us. You may qualify for forbearance, repayment plans, or a loan modification.

🔹 Step 2: Notice of Default (30-60 days)
This officially starts the foreclosure process and typically lasts for 30 days.
👉 What you can do now: Explore with your bank and us loss mitigation options including loan modifications, forbearance, refinancing or you may consider selling your house while you have time.

🔹 Step 3: Notice of Intent to Foreclose (30 days)

If the default isn't cured the lender with issue a Notice of Intent to Foreclosure to the borrower and local county court 30 days before the foreclosure sale.
👉 What you can do now: You still have time to stop the process but you must act fast. We can help you accelerate loss mitigation options, consider legal protections or selling before auction.

🔹 Step 4: Foreclosure Auction
If no action is taken, the property is sold at auction — often below market value. Once this happens, you lose ownership of your property and your credit is impacted
👉 What you can do now: Avoid getting here. The earlier we talk before the auction, the better your outcome.

Foreclosure is a process — not a single moment. And that means you still have choices. The sooner you understand where you stand, the more empowered you’ll be.

We’ll walk you through your timeline, explain every option and guide you toward the best decision for your situation.

📞 “REI Help Center. How can I help you today?”
That’s how most mornings start — but every day is different.

From 9 AM onward, We're not just answering phones.
We're:
✔️ Guiding homeowners through complex foreclosure notices
✔️ Calming nerves during last-minute sale deadlines
✔️ Coordinating with legal and financial experts
✔️ Making sure every question gets a clear, honest answer

And at the heart of it all?
We see each call as more than a transaction — it’s someone’s home, someone’s hope, someone’s fresh start.

When you call REI Help Center, you're not getting a call center.
You’re getting US — and OUR full attention.

Still putting off that call to us? We understand — it's overwhelming. But here's the truth: the foreclosure process doesn’t pause while you wait.

Every day matters.
📉 The longer you wait, the fewer paths remain open.
📈 The sooner you act, the more options you have — and the more control you keep.

Even if you are exploring loan modification, why not explore delaying the auction, or selling on your terms, or just understand your rights — one simple conversation could change your entire situation.

💬 No judgment. No pressure. Just answers.