Are you or someone you know falling behind on mortgage payments in ohio and don\'t know what to do about it? Find out your options in this new report, or go to http://stopforeclosureOH.com

1. I’m Rita Legan CDPE, and I’m here to help you. Call 440-227-4461 or go to www.StopForeclosureOH.com

2. Chances are you or someone you know is having trouble making the mortgage payment each month. If this is your situation, you are not alone. MILLIONS of homeowners are upside-down on the mortgage So where do you start? Here with Rita at 440-227-4461 For a confidential, free, no obligation consultation.

3. Step 1: Take Action CONGRATULATIONS! You’ve already succeeded in taking your first step by watching this seminar You are proactive about finding a solution and the answers to many of your questions are right here Or go to www.StopForeclosureOH.com For more information. You can also text Or call me Rita, now at 440-227-4461 I have helped many homeowners Just like you!

4. Step 2: Contact an Educated Agent BE WARY OF RESCUE SCAMS! Mediators that promise a quick resolution in exchange for upfront fees should be reported A reputable counselor will not guarantee to stop the foreclosure process Look for the CDPE logo I am proud to have achieved the Certified Distressed Property Expert Designation. I look forward to helping you and yours today. Just pick up the phone and call 440-227-4461 Your complete confidence assured.

5. Step 3: Organize Your Personal Documents & Information Expedite the process! No matter which option you choose, the process can be expedited by assembling these materials: Checking account statements Recent mortgage statements Savings account statements Your last two paycheck stubs Your past two tax returns A letter of hardship I can assist you in this process! Call me, Rita now at 440-227-4461

6. Step 4: Contact Your Lender Lenders want to avoid foreclosure! Lenders are not in real estate, do not want to take ownership of a home and don’t want houses to sit idle on the market Contact your lender as soon as possible to discuss the solutions to YOUR circumstances Then call or text Rita Legan at 440-227-4461 Or go to www.StopForeclosureOH.com

7. Step 5: Understand ALL Your Options As a CDPE-designated agent, I have the most current information on the options available to you Here’s a brief summary of a few options Keep on going, your doing great. I know you are going through a stressful time but there is light at the end of the tunnel, and free help at 440-227-4461 Or my CDPE informational website at: www.StopForeclosureOH.com

8. SHORT SALE A short sale is a dignified alternative to foreclosure, allowing a homeowner who owes more on their property than it is currently worth, to sell their property at a price lower than what is owed. Want to stay in your home? I can help with loan modifications too. Act now call Now at me Rita at 440-227-4461. We have the resources to point you in the right direction.

9. DEED-IN-LIEU A deed-in-lieu allows the homeowner to return the property to the lender rather than go through the foreclosure process Want to purchase another home sooner? Talk to your lender today, there may be options to deed-in-lieu your lender may prefer. Then call me Rita at 440-227-4461 and get connected to a mortgage planner who is standing by to help you.

10. FOREBEARANCE or REPAYMENT These options involve the homeowner negotiating with the mortgage company to allow them to repay back-payments over a period of time. This may be a good alternative if you have a short time loss of income. Your lender may agree to stretch your unpaid mortgage payment’s over time. Call me now to get a confidential, free, no obligation analysis of your particular situation. 440-227-4461 or email clegan1@aol.com

11. MORTGAGE MODIFICATION A mortgage modification involves the reduction of one of the following: the interest rate on the loan, the principal balance of the loan, the term of the loan, or any combination of these, for a more affordable mortgage. Want to stay in your home? Let Rita and team point you in the right direction. Call 440-227-4461 now. The sooner you get started the sooner your situation can change.

12. RENTING THE PROPERTY Renting can also be an option, if a homeowner has a mortgage payment low enough, they can convert their property to a rental and use the rental income to pay the mortgage. Be careful of the tax implications, talk to your CPA or tax preparer now. Or call 440-227-4461 and see if this is a good option for you.

13. BANKRUPTCY Bankruptcy is only a ‘foreclosure solution’ in some states and situations, but still remains a challenging financial decision. Talk to an attorney today, there may be better options for you. Remember It cost’s you nothing to pick up the phone at 440-227-4461 or email me Rita at clegan1@aol.com or go to my pre-foreclosure website at www.StopForeclosureOH.com to find out your best option. I am here to help.

14. MORTGAGE REFINANCE A mortgage refinance can be an option if a homeowner has sufficient equity in their property and their credit is still in good standing. There are now programs that may help. Call me Rita now at 440-227-4461 to get the most up to date information on all your options. These programs change rapidly, you need a dedicated partner who can help.

15. SERVICEMEMBERS CIVIL RELIEF ACT This act was implemented to help members of the military experiencing financial distress due to deployment. Contact me for more information. Call me now, Rita Legan at 440-227-4461 We have information on all the resources open to all our military distressed homeowners. We will never forget.

16. SALE OF PROPERTY Selling your property can be accomplished if a homeowner has sufficient equity and a qualified agent who understands the current market. If you don’t have equity, a short sale may be the best option. Talk to me Rita at 440-227-4461 I have a number of programs to help you sell now, at the best price in the shortest time frame, with the least hassle. Friend me on Facebook at http://www.facebook.com/people/Rita-Legan/100001923727357#!/rita.legan or www.RitaLeganSells.com

17. Step 6: Action! Obtain a copy of my report, “Your First Steps to Avoid Foreclosure” and pass it along to anyone who may benefit from this information Contact me today and let’s get you back on the path to financial security All The Best, Rita Legan ASP Staging Realtor CDPE 440-227-4461 Cell/VM clegan1@aol.com www.StopForeclosureOH.com www.RitaLeganSells.com

18. In Closing I believe every homeowner deserves the best information and education to avoid losing a home to foreclosure and damaging credit for years to come As a CDPE, I have been trained to assist homeowners in difficult situations In my 25 years of second generation real estate consulting, my guiding principle is "your goals are my #1 priority". My background in Corporate Relocation, Personal Real Estate Investing, New Construction, Marketing, Interior Design, Staging and Foreclosure Avoidance arm my client's for making smart and timely decisions whether buying, selling or investing in real estate in the Greater Cleveland Ohio Southwest Suburbs. I am ready to earn your business.

19. Don’t Hesitate To Contact Me Rita Legan Keller Williams Realty Greater Cleveland Southwest 18318 Pearl Road Strongsville Oh 44136 www.RitaLeganSELLS.com www.AvoidForeclosureOH.com 440-227-4461 Cell/VM