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The Home Borrowers Relief Fund was formed on the premise that in today’s economic environment the best financial, political and economic solution for delinquent loans is to create a performing loan by evaluating and modifying specific loan terms for each unique borrower.

Foreclosure and PMI have historically been a reliable safety net in the event of an incurable default. The small percentage of borrowers that defaulted most likely had no ability to make the monthly payments, and the recovery was usually sufficient to cover the UPB and the interest and penalties that accrued during the foreclosure process. Today, however, there is a confluence of events that removes the foreclosure safety net including much higher CLTV levels, inflated appraisal values, falling real estate prices, historically high backlogs of unsold homes, a lack of financing for buyers, uncertainty over mortgage insurance and the sheer number of foreclosures that lenders and servicers need to process.

The Home Borrowers Relief Fund believes that each borrower has a certain capacity to make monthly payments and our expertise is to find that appropriate level.

We have developed a comprehensive analytical process that examines loan and borrower information and external data to determine the best way to modify a loan so that it performs. The factors that we examine may include property analysis, local real estate conditions, appraisal values, real estate home sales backlogs, state foreclosure laws, local economic conditions, local demographic conditions, borrower income data, borrower credit ranking data, analysis of debt capacity, mortgage note terms and cost of capital, among other factors. The process is time consuming and expensive but provides the best long term solution for everyone concerned.

We work with banks, warehouse lenders, servicers, scratch & dent brokers and investors that have residential, 1-4 family non-performing loans. The Home Borrowers Relief Fund can help you with your 60+ delinquent loans or those that are in the early stages of foreclosure. We allow you to get value for your assets and eliminate the time and expense of working with defaulting loans with the confidence that every effort will be made to avoid foreclosure. Remember, our mission is to keep the homeowner in his or her home.

The Home Borrowers Relief Fund can provide owners of non-performing loans with various levels of relief.

1. We can purchase your portfolio of non-performing loans for cash. This will provide you with liquidity and will transfer the loans and any obligations regarding those loans off of your books.

2. We can manage the modification and workout process for you but you retain ownership of the loans.

3. We can also work out some combination of cash and loan management that would satisfy your liquidity, accounting and economic needs.

If you have any further questions please feel free to contact us at 1 (646) 290-8478 or email us at Lenders@BorrowersRelief.com.