If you are a homeowner in trouble, then we can help.

Can you say 'Principal Reduction'?

• That's right, we said it and we will say it again - 'Principal Reduction'
• We have a brand new program that will put you back on the right track and allow you to breathe again. This program, known as NPR, will reduce the amount you owe to CURRENT MARKET VALUE.
• No gimmicks and no trust sales - STAY IN YOUR OWN HOME AND OWE WHAT IT IS WORTH.

What are my options?

The good news is that now you have a choice. In fact, you have four choices.
Lighthouse PROP™ (Principal Reduction Options Program) gives you the flexibility you need to make the right choice for you and your family.

Let's keep this as simple as possible. Most people can modify or short sale your home and those have been your two choices aside from foreclosure. Lighthouse now gives you four options. Two revolutionary options - NPR & NPSS, can reduce the amount you owe on your home or provide you an exit strategy that makes sense.

• NPR
  The Note Purchase Rewrite (NPR) is a ground-breaking program where your note is purchased and then rewritten for current market value. How can we do this? We are partnered with a company that has nearly 40 years experience purchasing notes. They will buy your non-performing note at a discount from current market value and make their money by rewriting your note at current market value. The best news? We can do it in most cases within 60 days or less. Not in 6, 8 or 10 months like other programs - 60 days or less. Coupled with CPR, our partner credit recovery company, this has become a strategic program of choice. Find out more...
  
  
• NPSS
  Under the Note Purchase Short Sale (NPSS) program we take what works and get rid of the rest. Imagine a short sale where you have no deficiency. That's right - no tax consequences or creditors threatening to come after you. Imagine a short sale where you have full approval in 60 days or less. Imagine a short sale where you don't deal with the bank. NPSS is not like any other short sale program on the market. Details...
  
  
• Loan Modification
  In some cases, clients won't qualify for NPR but still want to stay in their home and ride out the storm. Loan modifications have proven challenging, especially when you deal with the bank directly. It is kind of like banging your head up against a brick wall hoping the bricks will give way. There is no question that people who do this on a daily basis will have better results than either the homeowner or someone who deals with loss mitigators on a part time basis. This is what we do for a living so let us help you through the modification maze. More info...
  
  
• Short Sale
  In some cases, clients won't qualify for NPR, NPSS or Loan Modificaiton. That does not mean you don't have a choice. In some cases, clients just want to get out. Short sales have gotten a bad reputation, but mostly this is because agents with little or no experience in this arena try to complete these transactions with very limited success. There are many benefits to exiting a property through short sale but there are a lot of misconceptions surrounding short sale and we would like to clear some things up. Learn more...
  

Find out how we can help (951) 296-9363

What it all comes down to is that we do this everyday and we know how to get it done quickly with as little pain as possible. Our team of experts is ready to help you get your life back. Don't forget to ask about RESTART, our exclusive program designed to get you back on track in as little time as possible.