Look.

I'm not going to sugarcoat this.

If you're behind on your mortgage—or even if you're just struggling to keep up—you're scared.

I get it.

You're worried about losing your house. You're stressed about your family. You're wondering how the hell you got here and how you're going to get out.

Here's what I need you to understand:

Ignoring this problem will NOT make it go away.

Hoping things will "work out" is NOT a strategy.

And doing nothing? That's the fastest way to lose everything.

But here's the good news:

You have options. Real options. Options that can save your home and give you breathing room.

I'm going to give you three of them right now.

 OPTION #1 CALL YOUR BANK (Yes, Really)

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I know what you're thinking.

"Call the bank? Are you crazy? They'll just take my house!"

Wrong.

Here's what most people don't understand about banks:

Banks DO NOT want to foreclose on your home.

Let me say that again: They don't WANT your house.

You know why?

Because foreclosure costs them a fortune. They have to hire lawyers, maintain the property, pay taxes, deal with repairs, and then sell it—usually at a loss.

It's expensive. It's time-consuming. It's a massive headache.

You know what banks DO want?

Their money. That's it.

And if you call them BEFORE you're six months behind, before the attorneys get involved, before everything goes to hell—they will work with you.

They'll modify your loan. They'll lower your payments temporarily. They'll give you forbearance. They'll restructure your debt.

But you have to call FIRST.

Not after you've missed four payments and you're getting legal notices.

Now. Today. This week.

The moment you realize you're in trouble, pick up that phone.

I've seen this save hundreds of families over 30 years. The people who call early? Most of them keep their homes.

The people who hide and hope? Most of them lose everything.

Don't be the second group.

 OPTION #2 Refinance and Tap Your Equity

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Let me ask you something:

How much has your home gone up in value since you bought it?

If you've owned your house for more than a few years, there's a good chance you're sitting on equity you didn't even know you had.

And right now, that equity could be the lifeline that saves you.

Here's how this works:

Let's say you bought your house for $300,000 five years ago. You owe $250,000 on the mortgage. But your house is now worth $380,000.

That's $130,000 in equity.

You could refinance, pull out some of that equity, pay off high-interest debt, and lower your monthly payment all at the same time.

Or you could do a cash-out refinance and use that money to catch up on bills, cover expenses, and give yourself a few months of breathing room.

And with interest rates coming down?

This might be the perfect time to do it.

I'm not saying this works for everyone. Maybe you don't have enough equity yet. Maybe the numbers don't make sense.

But you won't know unless you check.

Call a mortgage broker. Run the numbers. See what's possible.

Because that equity you're sitting on? It's YOUR money. It's not doing you any good locked up in your house if you're about to lose that house.

Use it. Before it's too late.

 OPTION #3 Rent Out Part of Your House

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Here's the hard truth:

If you can't afford your mortgage, something has to change.

Either you make more money, or you spend less money.

There's no third option.

Now, I can't magically give you a raise at work. But I CAN tell you how to bring in an extra $800-$1,500 a month without leaving your house.

Rent out your basement. Rent out a spare bedroom. Rent out that in-law suite you're not using.

Is it ideal? No.

Is it what you dreamed of when you bought this house? Probably not.

But is it better than foreclosure?

Hell yes.

I've seen people save their homes this way. They rent out part of their house for 12-18 months while they get back on their feet, build up savings, and stabilize their finances.

Then, when things are better, the renter moves out and they have their whole house back.

It's temporary. But it works.

You can list your space on Airbnb, on Furnished Finder (for traveling nurses and professionals), or just do a traditional long-term rental.

That extra income goes straight toward your mortgage. Suddenly, you're not drowning anymore.

You're surviving. And survival is the first step to winning.

Here's What You Need to Do RIGHT NOW

Stop reading and take action.

TODAY:

Call your mortgage company. Tell them you're having trouble. Ask about forbearance, modification, or restructuring options. Do NOT wait until you're already behind.

Call a mortgage broker. Find out if you have enough equity to refinance. Find out if you can lower your payment or pull out cash. Get actual numbers, not guesses.

Look at your house with fresh eyes. Do you have a basement? A spare room? An in-law suite? Could you rent it out for 12-18 months to get through this rough patch?

Don't do all three things.

Do the ONE that makes the most sense for your situation.

But do SOMETHING.

The Brutal Truth

I've been in real estate for over 30 years.

I've seen people lose their homes because they were too proud to ask for help.

I've seen people lose their homes because they waited too long to act.

I've seen people lose their homes because they thought "something would come up" to save them.

And I've also seen people SAVE their homes by doing exactly what I just told you.

They called the bank. They refinanced. They rented out a room.

They swallowed their pride, made hard choices, and fought like hell to keep what was theirs.

Those people still have their homes today.

The question is: Which group are you going to be in?

Need Help? Let's Talk.

Look, I can't solve all your problems.

But I CAN help you figure out your options.

Maybe you need to refinance. Maybe you need to sell and downsize before foreclosure hits. Maybe you need to buy yourself time and I can help you strategize.

Whatever your situation is let's talk it through

Fernando Herboso 240-426-5754

I've been doing this for almost three decades. I've helped people in worse situations than yours. And I've seen enough miracles happen when people take action instead of hiding.

Call me. Let's see what we can do.

Because doing nothing? That's a guaranteed loss.

But doing SOMETHING? That gives you a fighting chance.

240-426-5754

Your house is worth fighting for.

Let's fight.

P.S. — If you're reading this and you're NOT in trouble yet, but you're getting close? Don't wait until you are. Call now. The earlier you act, the more options you have. Waiting until you're desperate means you have no leverage and no choices. Act while you still can.

Call: 240-426-5754