Facing financial hardship can be overwhelming, but you have options.
Whether your goal is to keep your home or sell it, understanding your
choices can help you make the best decision for your future.
If you want to keep your home, solutions like loan modification,
refinancing, forbearance, repayment plans, or government assistance
programs may help lower your mortgage payments or provide temporary relief.
In some cases, Chapter 13 bankruptcy can halt foreclosure and create a structured repayment plan.
If selling is the better option, you can explore a traditional sale, a short
sale (with lender approval), or a quick cash sale to avoid foreclosure.
Some homeowners may also consider selling to an investor for a faster process.
If foreclosure is imminent, a deed in lieu of foreclosure may be a last-resort option to minimize credit damage.
No matter your situation, HOAPnet provides expert guidance and support
to help you navigate your options with confidence. Contact us today to
explore the best solution for you.
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HOAPNET is a dedicated resource and assistance platform designed to assist homeowners in navigating the challenges of life changing events. Our network of Specialist Consultant provides personalized guidance and access to exclusive programs for homeowners to either keep or sell your home and avoid foreclosure. Whether you wish to keep your home or sell it, avoiding foreclosure is just the beginning of a new chapter.
Through our comprehensive Homeowner Assistance Program (HOAP), we offer homeowners access to a wide range of options and resources, including legal assistance—all without any out-of-pocket costs. We understand that each homeowner's situation is unique, requiring a tailored approach to stop foreclosure, whether the goal is to keep the property or sell it. We are here to support you in making the best decision based on your individual circumstances and available options.
HOAP is available at no cost to qualified homeowners located in the 5 boroughs of New York, and Long Island. Through HOAP, homeowners are provided a Homeowner is provided with a Specialist Consultant free of charge to help them identify and take advantage of all the options and opportunities made available through HOAP. Whether homeowners want to keep their home or sell it, HOAP offers unique resources, and services to get homeowners the outcome they want.
If you've never heard of a Specialist Consultant you're not alone. Best-selling author Bob Proctor once said, "Tell me what you want, and I'll show you how to get it." This perfectly captures the role of a dedicated and experienced Consultant. For homeowners facing the threat of foreclosure, having a Specialist Consultant on your side can be life-changing. Whether you want to keep your home, sell it, or are still unsure of your next steps, our job is to provide you with access to exclusive options and resources, including legal assistance, all at no out-of-pocket cost through our Homeowner Assistance Program (HOAP). With reliable information and expert guidance, you can trust us to work closely with you, creating and coordinating a tailored plan of action to meet your unique needs. Every Specialist Consultant is affiliated with HOAPNET is approved by our organization and is also a licensed real estate professional in your state. For more information or to speak with a Specialist Consultant, fill your information in the box above, call (516) 336-9293, text (516) 336-9293, or email to hoapnet@gmail.com
For homeowners who wish to remain in their homes, it’s crucial to begin evaluating the circumstances and finding the right solution. The Specialist Consultant can evaluate the situation and offer the best solution.
For many, homeownership is more than just a place to live, it's as source of pride, stability, and investment for the future. However, financial hardships can threaten this stability, making it crucial to explore all available options to retain your home and avoid foreclosure.
Loan modification involves changing the terms of your mortgage to make it more affordable. This could include extending the loan term, reducing the interest rate or forgiving a portion of the principal. Loan modification is a viable option for homeowners experiencing long-term financial difficulties.
It is critical to start negotiations with your mortgage servicer as soon as possible. If you are already facing foreclosure, a loan modification is often the most viable option. Even if you've been denied in the past or defaulted on a previous loan modification, there is still hope—you may be approved by your servicer through our HOAP Program.
Refinancing involves replacing your current mortgage with a new one, ideally with better terms. This can lower your monthly payments and make your mortgage more manageable.
Forbearance is a temporary reduction or suspension of mortgage payments. This option can provide short-term relief if you are experiencing temporary financial hardship. During the forbearance period, you will not make full mortgage payments, but interest will continue to accrue.
With Homeowners Assistance Program, you gain access to an experienced team that will provide advice, manage your best option and negotiate the best terms on your behalf. All services are fully covered by the program, meaning you won't pay any fees, legal or otherwise. Our Assistance services are provided by an experienced professionals at no cost to participating homeowners. Covered services include speaking with your mortgage servicer to identify any assistance you may qualify for and negotiating the best terms possible based on your individual needs.
After meeting with Specialist Consultant, if the homeowner decides that the best available option is to sell the home and start a new chapter. The homeowner will have multiple options to sell the home. Based on the individual situation, we can discuss these various options, and the homeowner can decide the best available option. The various options available are described below.
Looking to sell your home for the highest possible price? We are here to help you achieve that goal. With their expert guidance, your property can be listed on the market, giving you the best opportunity to sell at the highest price and on the terms that work best for you.
By leveraging our extensive network, your we can create a competitive bidding environment, increasing the likelihood of a higher sale price. And to ensure you have options, we can also provide a cash backup offer from our pool of accredited investors, giving you peace of mind and flexibility during the selling process.
With HOAPNET, selling your home is more than just a transaction—it’s about maximizing your return and securing the best possible outcome
A quick cash "as-is" sale refers to selling your home directly to a real estate investor or cash buyer, often in its current condition, without the need for repairs, renovations, or traditional listing. This type of sale is typically fast, with the buyer offering cash in exchange for the property. It’s a popular option for homeowners who need to sell quickly due to financial pressure, relocation, or other urgent circumstances.
HOAPnet works with top accredited investors to get you the best possible price and a quick hassle-free sale.
A Short Sale is for homeowners who want to sell their property but owe more than the property is worth. As short sale is considered the most valuable alternative to foreclosure for homeowners in danger of losing their homes. Homeowners do not have a foreclosure appear on their credit report, are not subject to a public auction, avoid eviction, move substantially on their own terms and walk away owing nothing. this program.
To learn more about your options and the assistance available to you, speak with a Homeowner Specialist Consultant today.
Inheriting a property can raise many questions and uncertainties. How much is owed on the property? What is its current market value? What steps must be taken for an heir to gain ownership? And what happens if there is no will? At HOAPNET, our Homeowner Specialist Consultant are here to guide you through the process, ensuring you get the answers you need.
We also offer our Streamlined Program, designed to streamline the sale of inherited properties and get cash into the hands of heirs quickly. With this program, most closings can be conducted virtually and completed in less than two weeks. The program provides qualified heirs with a probate waiver, allowing them to bypass the lengthy and costly surrogate court proceedings.
In the rare event that a probate waiver cannot be obtained, heirs may qualify for Legal Assistance to cover court costs. There’s no commission involved, and properties can be sold with or without tenants, and in any condition. If your loved one passed without a will, you may still qualify.
Relocation is critical to a successful sale for homeowners. Even the thought of relocating can be physically and emotionally draining. As if that is not enough, many times there are challenges such as, credit score, money, location, pets, and timing. That's where HOAP Relocation comes in.
Through our Relocation Services, we will work with you and a dedicated relocation specialist experienced in helping homeowners relocate and start a fresh new chapter in their life. Together you'll create an over all relocation strategy to fit your specific needs.