Shanna Rogers Broker,Realtor,MRP,CDPE,GRI,ePro (BRE #01779280)
29910 Murrieta Hot Springs Road, G-445 Murrieta, CA 92563
Mobile: (951) 240-2205 Fax: (909) 494-4311 Email Shanna Rogers

Facing Foreclosure?

Facing Foreclosure?

Watch out for scams!  There are a lot of crooks trying to cash in on your troubles.  They will make promises and offers they cannot keep.  If you are approached by an individual who says they can help you, please consult this list before you sign anything.


Distressed Homeowner's Do's and Don'ts....

  • Don't pay upfront fees to "foreclosure rescue" companies that promise to help you keep your property.
  • Don't sign your deed over without consulting a lawyer you trust.  Simply signing your deed over doesn't formally release you from your mortgage liability.
  • Don't sign any contract to sell your home until you review the document with a lawyer.  (Private sale).
  • Don't work with anyone who discourages you from contacting your mortgage company, refuses to put promises in writing, pressures you to sign paperwork you haven't had a chance to read thoroughly, or fills out paperwork for you.
  • Do something now!!!
  • Do contact your lender at the first sign of financial trouble.  See if the loan can be restructured or refinanced, or work out a repayment plan.  Keep in mind that most lenders don't want to foreclose because it costs them money.  If your situation is temporary, ask the lender to allow you to "skip" a payment and add it to the end of the loan.
  • Do consider selling your home if you have any equity in it.  If your value falls short, check into a Short Sale or Short Payoff.  If all other options fail, you might also consider deeding your property back to your mortgage company, also known as deed-in-lieu of foreclosure.
  • Do contact a reputable nonprofit credit and housing counselor if you are not able to work with your lender.  For a list of approved housing counselors, call the U.S. Department of Housing and Urban Development at 800-569-4287 or go to  Click on the foreclosure link.
  • Do contact a lawyer or accountant for information on financial ramifications.


Foreclosure can be an extremely stressful situation to deal with alone.  Your situation may not be as impossible as it seems.  The difficulty of the situation for you right now is completely understandable, but there is indeed light at the end of the tunnel.  Thousands of good people just like you have found themselves in similar situations.  YOU ARE NOT ALONE!

Don't Wait to Get Answers....

Nearly all unnecessary foreclosures occur because owners wait too long to get help!  Don't let this happen to you.  With the right advice and action on your part, these proceedings can possibly be halted and a favorable outcome may be possible for you.  Remember, the banks and lending institutions do not want your house.  They would much rather resolve the matter if at all possible.

Some Possible Ways Shanna Can Help Resolve the Matter....

  • Negotiated Repayment - Shanna will contact your lender(s), seeking a solution for you.
  • Property Sale (Traditional) - Perhaps selling your property is the way to go.  Shanna will look for every option to help you keep your home, but if a sale is necessary, she will make sure you get the best price possible.
  • Property Sale (Short Sale/Short Payoff) - If you're not able to sell for the payoff amount of your loan(s), Shanna will make every effort to negotiate with your lender(s) to find a solution you can be comfortable with.
  • Re-Finance - Given certain market conditions, refinancing may be the answer.