You:
Hi , this is with Integrated Home Solutions… How are you?
<Wait on Response>
You:
You scheduled an appointment for today regarding the upcoming foreclosure sale on … Is this still a good time?
Homeowner:
Yes
You:
Perfect. Before we start, I do have to let you know that all calls are recorded and monitored for quality assurance, ok?
<Wait on Response>
You:
Ok, great… You were communicating with one of our Team Member by Text and stated that you’re looking to <Keep / Sell> your home… is that correct?
Homeowner:
Yes / No
You:
Ok, I understand. Before we get into the details, let me tell you a little bit about who we are and how we help.
Again, my name is <Your Name>… I’m one of the Foreclosure Assistance Consultants with Integrated Home Solutions. We are a Community Development Corporation that focuses on helping distressed homeowners after a foreclosure has been stopped, by working with them and their lender to pursue mortgage reinstatement and long-term resolution.
We do that through what we call our Foreclosure Assistance Program, which consists of three stages:
Regaining control of the foreclosure timeline
Working with your lender to pursue mortgage reinstatement
Helping you establish a plan to foreclosure-proof your mortgage moving forward
All three stages are included in our Foreclosure Assistance Program.
Now, I do want to be very clear upfront — we are not attorneys, we are not a law firm, and we are not bankruptcy petition preparers. We do not provide legal advice, and we do not file bankruptcies for homeowners… Again, we are a Community Development Corporation that helps homeowners get back on track with their mortgage.
What I need to do now is ask you a few questions about your specific situation to determine if you Qualify for the Program and see if we can help. Is that ok?
Homeowner:
Yes / No
You:
Great.
*Remember to show compassion & empathy while homeowner answers.
How long have you been in foreclosure… or when was the last time you made a payment that was accepted by your lender?
What caused you to get into that situation… were you affected by the pandemic, illness, job loss, loss of a borrower, or divorce?
You:
Oh wow… I’m really sorry you went through that.
Are you doing better now or have you recovered? Are you back to work full-time?
Homeowner:
Yes / No
You:
Are you currently working full-time?
Homeowner:
Yes / No
So if your lender were to reinstate your mortgage, would you be able to comfortably afford the monthly payments again?
Homeowner:
Yes / No
If No, homeowner:
• Has not recovered
• Is not working full-time
• Cannot afford the payment
You:
Ok, I understand.
Next question… how much is your monthly mortgage payment including taxes and insurance?
Homeowner:
Provides amount or doesn’t remember
You:
If they don’t remember, ask for an approximate amount.
Ok, got it.
And lastly, are you the only income provider for your household?
Homeowner:
Yes / No
You:
And what is your gross monthly household income? That’s your income before taxes or deductions.
Homeowner:
Provides gross income
You:
And what is your the estimate of your Total Monthly Expenses? That like your car payments, utilities, water, phones, internet, credit cards etc.
Homeowner:
Provides estimated total monthly expenses
You:
Ok, give me one moment while I calculate this…
Calculation Rule:
Monthly Mortgage Payment÷ Gross Monthly Income = Front End DTI
• Less than 45% = sufficient income (DOES QUALIFY)
• More than 45% = insufficient income (DOES NOT QUALIFY)
Estimated Total Monthly Expenses (including Mortgage Payment) ÷ Gross Monthly Income = Back End DTI
• Less than 49% = sufficient income (DOES QUALIFY)
• More than 49% = insufficient income (DOES NOT QUALIFY)
You:
Based on what you’ve explained, it doesn’t look like you have enough income at the present time to support a reinstated mortgage.
Now, if you believe your income would increase within the next 30–60 days after stopping the foreclosure, we can escalate your file for a possible override.
However, if your income will likely remain the same, we would strongly recommend that you consider selling your home prior to the foreclosure sale date.
If your home qualifies, we may be able to help by purchasing it — but we’d need to submit for approval first.
Would you like me to send you the Home Offer Request Application?
If Yes:
Tag Contact: Home Offer Application
Explain next steps.
If No:
I completely understand and respect your decision. Our goal is to help you make the best financial choice for your situation.
You:
So just to confirm again…
• You’ve recovered
• You’re working full-time
• You can afford the mortgage payment if reinstated
If confirmed…
Based on everything you’ve shared, it looks like you do qualify for our Foreclosure Assistance Program after the foreclosure has been stopped.
Now, I want to explain something very important so there’s no confusion.
To urgently stop a foreclosure, most of our clients that were in situations like yours chose to file a Chapter 13 Bankruptcy Pro Se (filing on their own without an attorney) because it immediately stopped their foreclosure and reopened the timeline to work with their lender again.
However, I want to be very clear:
• We are NOT attorneys
• We do NOT file bankruptcies
• We do NOT prepare bankruptcy paperwork
That decision — and that process — would be entirely up to you to complete on your own if you file Pro Se, or whatever resource you choose to use.
Again, most of the homeowners we worked with chose Chapter 13 because it:
• Typically stops the foreclosure immediately
• Created time and leverage
• Allowed them to re-engage with their lender
*If you’d like to get more information on Bankruptcies and how you can file on your own, you can find and visit your bankruptcy court website online by visiting: https://uscourts.gov/federal-court-finder
OR, you can watch a quick YouTube video at: https://geni.us/SFCYT
I’ll text you both of these links.
Once the foreclosure is stopped — that’s when we step in.
We onboard you into our program and begin working with you and your lender to:
• Complete the full mortgage assistance application
• Get the Lender Required-Documentation Successfully Submitted
• Follow Lender-Specific Rules and Timelines
• Pursue Reinstatement Efficiently and Correctly
Now, we do want to be clear — because we do not control your lender, We Cannot Guarantee Reinstatement.
What we can say is that based on the information you’ve provided, there is an Extremely High probability that you would be approved — we just can’t legally guarantee it. Does that make sense?
You:
Now let’s talk about the cost of the Program and working with us after the foreclosure has been stopped.
And regardless if you needed to go through a 3 or 5 year Bankruptcy Plan or not, in most cases, they would recommend you do that because that’s how they get paid.
And lastly, they charge a small up-front fee of approximately $1,000 – $1,500 but you’d still owe their entire fee on the back end, which on average is $6,000 – $10,000.
Second Option is to use a Community Development Corporation, Like Us. We have 2-Payment Options to help you:
You would just need to make the first payment of $840.00 so you can get started on Stopping the Foreclosure on your home.
We do have to let you know that if your Foreclosure Sale Date is within 7-Business Days, there is a $200.00 Urgent Processing Fee included which would make the Initial Up-Front Payment $1,040.00. The total payment on this option is: $4,660.00 (without the Urgent Processing Fee).
–OR–
‣ You can Pay One Single Payment of $3,620.00 which would save you a little over $1,000.00 and includes everything mentioned in our program.
This is always an option, and you’re not required to hire anyone.
This can absolutely be done on your own like you may have already attempted to do before — the challenge is that right now – you have limited time and Have To get it done right.
With that being said, which option would you like to go with?
Homeowner:
Do it on my own.
You:
Ok, I completely understand. If you change your mind or have any questions, please don’t hesitate to reach back out to us.
Homeowner:
I’d like to go ahead and have your help me.
You:
Ok, Excellent… Let’s go ahead and get the process started!
***Let me quickly verify that we have the correct email on file for you.***
I have your email as <Homeowner’s Email>
Is that correct?
<Update the Homeowner’s Email if Necessary>
Got it! I’ll Email you access to our Client Portal where I’ll help you complete the application… it should only take about 15-20 minutes… Is that ok?
Tag: Send FAP Application – Client Portal
Once the Application is submitted, we’ll send you confirmation that it’s been completed. Your next Important Step would be to get that Foreclosure Stopped Immediately.
Once you’ve Stopped the Foreclosure, we’ll need you to text the word “FAP READY” to us right away so we can complete your onboarding and get on to helping you get your Mortgage Reinstated.
Did you have any questions for me at all?
Homeowner:
Yes <Answer any Questions using the FAQ>
If No…
You:
Ok, one last thing…
We also place an extremely high emphasis on Client Communication. We believe in Over-Communicating so that you’re always aware of what’s going on and where you’re at in the process.
With that said, because we are on back to back calls with Homeowners throughout the day, the best and fastest way to communicate with us is via text message @ (888) 290-2826 which is our Client Communication Number… and I’ll send you a text you from that number now so you can lock it in your phone.
If you every have questions or need anything, simply send us a request and we typically respond or call you back usually within 15-20 minutes but no later than 24-hours…
But we definitely make it a priority to be accessible to you Monday – Friday from 10AM – 6PM Eastern Time.
How does that sound?
Homeowner:
Sounds Good
You:
Ok, Great… Let’s go ahead and Get Started with Your Application!
