Through my "endless hours" of searching the web I have come upon a really great letter to send to homeowners who are facing forclosure:
Dear Mr. Jones,
As you should already know, your mortgage lender has just filed a lawsuit to foreclose on your mortgage loan.
This means that if, for whatever reason, you cannot bring your loan payment current before the scheduled forclosure sale date, your house will be sold at a public auction sale to the highest bidder, and you will be evicted by the new owner.
If your house is sold this way, you will get absolutely nothing form the sale. The bank holding your mortgage only cares about getting back the money that you owe them. They do not care about what you get.
You could put your house on the market and try to sell it yourself. Or, you could take your chances and list it with a Real Estate Broker/Agent. However, right now it takes about 6 months or more to sell a home.
I specialize in helping people who are in forclosure. I can help you too! All that you have to do is to pick up the telephone right now and call me at (999)999-9999 to set up an appointment so that I can make you an offer to buy your house today. I can give you a check for your house with-in 5 business days from today and stop the forclosure and keep it off your credit report. I can also help you find another place to live.
I will handle all of the details of the sale and deal with the title company processing all of the paperwork that is necessary to transfer the property's title.
I look forward to hearing from you very soon and to working with you to stop your lender from foreclosing on your home.
Of course, edit this to suit your needs, and ALWAYS make sure that you state that you CAN and not WILL.....
If you say you "will" this is a guarantee, whereas "can" only means it is possible, but, not a promise.
"ALWAYS THINKING OUTSIDE OF THE BOX"