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Loan Programs

Hope Financial Management is a comprehensive service providing financial guidance and assistance for individuals and families. Our team of experienced advisors strives to provide customized solutions for each of our clients, taking into account their unique circumstances and the options that are available on the market today. We specialize in helping homeowners who have fallen behind and are struggling with bills in an inflationary market, offering solutions that will allow their families to finally become stress and debt-free


Loan Refinance Programs 

Our loan refinance program provides a convenient way to lower your monthly payments and save money. We offer competitive rates and terms from thousands of lenders nationwide, on all types of residential loans, giving you access to the newest loan products on the market. Our experienced team of professionals will work with you to find the best loan for your income bracket and FICO score, so you can put yourself on the path to financial success

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FHA Partial Claims

FHA Partial Claim is a program from the U.S. Department of Housing and Urban Development (HUD) that helps homeowners who are in arrears on their mortgages. This program provides a one-time lump sum payment from the U.S. government to the borrower's mortgage servicer to bring the mortgage current. The funds are provided in the form of a 0% interest lien, which is not due until the borrower refinances or sells the property. This program allows borrowers to keep their loans at a lower rate and payment while avoiding foreclosure.

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Loan Reinstatement Programs

Our Loan Reinstatement Program offers a unique solution for those who have fallen behind on their loan payments & ruined their credit in the process. We provide hard money financing to help you reinstate your loan and get back on track. With our program, you can obtain a second loan to carry you until your credit has improved enough to refinance the two loans into one loan at a more competitive rate. We are committed to helping you make your loan payments manageable and restoring your financial health.

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Loan Restructure Programs 

Our loan restructuring services help borrowers who are behind on their home loans. We work to renegotiate the terms of the overall loan with the current servicer to more favorable terms in order to reduce monthly payments. Once finalized, the servicer will file a new amendment of the loan on the title and your credit, allowing you to start rebuilding your credit score. They will convert the loan to a new 30-year or 40-year fixed rate term. Every payment made further improves your score and within 24 months you are eligible to refinance out of that loan.

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Loan Litigation Programs 

Our loan litigation program is designed to help homeowners who are behind on their home loans & have been denied by their loan servicer on all modification options. We provide assistance in filing a civil case Pro Se in State Court, which can be used as leverage to negotiate better terms with the bank's attorneys when traditional channels fail. Banks Attorney will want to work it out with you and give you more options to resolve the matter which will help avoid foreclosure. The home is your asset it must be protected and sometimes traditional means just don't work, so you need to take action. Once the case is settled and the client makes 24 payments, they will be eligible to refinance.

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Estate Planning 

At our firm, we specialize in estate planning to help our clients secure the future of their families and protect their assets. We provide tailored advice to our clients, ensuring that their life insurance, living wills, and family trusts are set up to provide the best possible protection in the event of their passing. Our team of experienced experts can help you understand the importance of each of these elements and the benefits they provide

What Client's Say

Smiling Woman
Hope Financial helped my family not lose our home to the bank who was screwing us over trying to foreclose instead of working out a decent payment arrangement of any kind with me. They added so much more to my loan than i owed and payment went super high on me. They were able to negotiate better terms than i thought possible and we made our trial payments and the nightmare ended. Thanks to this Team 

Jill Benson, Product Designer

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