Underwater? Get some A.I.R.
(Answers. Information. Resources.)

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  • The Martinez family got the A.I.R.
    (Answers, Information, Resources)
    they needed.

    Through the Homeowner 101 Assessment & Action Plan, Sylvia
    found the decision that was best for her and her kids. She learned
    how she could get back to a place where homeownership
    is once again a source of financial stability and peace of mind.


    You can, too.

  • You are not alone.

    You can get back to the place where
    home is a source of financial stability
    and peace of mind.


    We can help.

  • Is the bank in charge of your future?
    Or are you?

    The bank wants you to believe that you are morally obligated to pay
    your mortgage no matter what. Shouldn’t you be looking out
    for what’s best for you, your family, and your future?


    Take charge.

Short Sales
What You Need to Know

A short sale is when the mortgage holder(s) agree to accept as payoff less than what you owe on the mortgage(s). Homeowners who are significantly underwater but need to sell can ask the bank to agree to a short sale. Potential pitfalls to watch out for include damage to your credit score, tax liability, and legal liability.

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Loan Modifications
What You Need to Know

A loan modification is a change in the terms of your mortgage loan. It could be a change in the interest rate, or a change in the type of loan, or a change in the payoff period. Potential pitfalls to watch out for include stricter terms, temporary modifications, difficulty working with the bank, and scams. Also learn about HARP 2.

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Strategic Defaults
What You Need to Know

“Strategic default” has typically referred to the choice made by homeowners who can afford their mortgage payments but choose to walk away. Typically, a strategic default takes the form of simply letting the bank foreclose. Potential pitfalls to watch out for include deficiency judgments, tax liability, and a negative impact to your credit score.

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Foreclosure
What You Need to Know

A foreclosure is when the bank takes possession of your home because you failed to make your mortgage payments. A foreclosure is always one potential outcome of your decision to stop making your mortgage payments. Potential pitfalls include deficiency judgments, tax liability, and a negative impact to your credit score.

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Doing Nothing
What You Need to Know

“Doing nothing” – no loan modification, no short sale, no strategic default, just paying the mortgage on the 1st of every month like always – is one option. Potential pitfalls include being underwater for many, many years, a lack of good options for getting out from under the debt in future years, and forgoing a health financial future.

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Homeowner's Assessment & Action Plan

You have options. You won't know which option is right for you without professional help.

14.5 million American homeowners are underwater – they owe more than their homes are worth. So you’re not alone. But you are unique. Just because a neighbor did a short sale and it turned out great doesn’t mean you should. Just because a friend did a strategic default and bought a house again five years later doesn’t mean that’s the right decision for you. Just because a cousin got a great loan modification that worked well for him and his family doesn’t mean you can.

The fact is that there are lots of options for underwater homeowners in Chandler. Which option is right for you? You have absolutely no way of knowing the answer to that question until you sit down with an experienced professional advisor who can assess your complete financial situation, help you see where homeownership fits in, and work with you to make a plan for what you should do next.

And that’s exactly what the Underwater Homeowners Assessment and Action Plan provides. For $129, you’ll get a complete assessment of your financial situation – far beyond just your mortgage – and you’ll get a detailed action plan for how to move on so you can get back to the place where homeownership is a source of financial stability and peace of mind.

We understand that this is a scary, stressful time. And we’re here to help. You owe it to yourself and to your family to get the Answers that the Assessment and Action Plan provides.

You Are Not Alone

Molly Castelazo
Molly’s Story

"As we were trying to decide what to do about the fact that we owed $290,000 on a home now appraised at $135,000 we felt scared. We didn’t know what to do. We wanted to make sure that we fully understood the financial consequences of any decision we made..."

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Your Questions, Answered

Q: If I do a short sale or the bank forecloses, when can I buy a home again?
A: Just to keep it simple…Three years on a short sale. With a foreclosure it is going to take longer... Read More


Q: Can the bank come after me for the difference between the sale price or fair market value and what I owe?
A: Arizona (and some other states) has an anti-deficiency law that says that if ... Read More