Sustainable

For many homeowners The RightTrack Difference may be the difference between whether or not they are still living in their homes a year from now. According to a top federal banking regulator more than 50% of homeowners who receive a loan modification in the first quarter of 2008 were behind on their mortgages again within six months. The reason most homeowners cannot afford their mortgage payments after a loan modification is they never received the proper long-term solution in the first place. Lenders, servicers, and investors are much less likely, or in some cases completely unwilling, to provide any further assistance to homeowners who have already received a loan modification and are still unable to remain current on their mortgages. There is no benefit to an unsustainable short term solution when you are at risk of losing your home to foreclosure. This is where the RightTrack Differences matters.

Personalized

Homeowners who utilize the services of RightTrack can count on the type of personal attention and one-on-one relationship with their Loan Counselor that you will not find with our competitors. At RightTrack you never have to wonder whose hands your largest and most important asset, your home, is in. You will have one Counselor and one Negotiator responsible for assisting you and negotiating with your mortgage servicer and investor. While our employees regularly pool resources and expertise, we believe that this one-on-one approach creates a bond between our employees and clients and demonstrates our personal responsibility to helping you keep your home.

Holistic

RightTrack believes in a holistic approach to curing your mortgage delinquency that goes beyond just modifying your loan. RightTrack Counselors will work with you to create sustainable spending plans and identify ways you can save money on monthly expenses to assure you can afford your mortgage payment in the future. RightTrack can even assist you in reducing your payments on unsecured debts like credit cards to make more money available for your mortgage payment, without destroying your credit.

At RightTrack we care about helping you keep the dream of homeownership alive and understand that a loan modification is not the end of your path to sustain homeownership, but the beginning. That’s why RightTrack clients have the peace of mind of knowing they can contact a RightTrack Counselor to answer questions about their mortgage or personal debt issues for six months after the completion of our services for no additional charge.