Foreclosure Solutions

Foreclosure Solutions &
Fresh Start Programs

Helping New Jersey Homeowners Since 2008

If you received a Notice of Default, Lis Pendens, Sheriff Sale notice, or are already facing foreclosure, you still may have options.

As a New Jersey SFR (Short Sales & Foreclosure Resource) certified professional through the National Association of Realtors since 2008, Leonel Lopes has helped hundreds of homeowners:

Stop foreclosure
Avoid damaging credit consequences
Negotiate loan modifications
Complete short sales
Recover equity after foreclosure sales
Refinance after bankruptcy
Transition into a fresh financial start

You are not alone — and in many cases, there is still time to protect your future.

Understanding the Foreclosure Process

Notice of Default (NOD)
A Notice of Default is an early warning that mortgage payments are seriously behind and foreclosure
proceedings may begin.

Lis Pendens
A Lis Pendens is a legal notice filed with the county court indicating that the lender has initiated
foreclosure proceedings against the property.

Receiving these notices does NOT always mean you will lose your home immediately.

Many homeowners still qualify for:

Loan modifications
Repayment plans
FHA workout options
Short sales
Bankruptcy protection
Equity preservation strategies

How We Help Homeowners in Distress

Loan Modification Assistance
Helping homeowners explore mortgage modification solutions that may reduce monthly payments, stop
foreclosure actions, and bring loans current.

Short Sales
When keeping the home is no longer possible, a properly negotiated short sale may help avoid
foreclosure judgment, reduce credit damage, and provide a faster financial recovery.

Foreclosure Prevention Strategies
Every situation is different. We help evaluate FHA options, conventional loan workouts, repayment
plans, reinstatement options, refinance opportunities, and sale-versus-retention analysis.

Bankruptcy Coordination (Chapter 13 & Chapter 7)
As a last-resort strategy, bankruptcy protection may temporarily stop foreclosure proceedings. Certain
FHA borrowers may later qualify to refinance into a new FHA mortgage after successful repayment
history under Chapter 13.

Post-Foreclosure Surplus Funds Recovery
Many former homeowners are unaware they may still be entitled to money after a foreclosure sale. We
help identify foreclosure overages and assist homeowners in recovering surplus funds that may legally
belong to them.

Why Homeowners Trust Leonel Lopes

SFR Certified since 2008
New Jersey Real Estate Broker Salesperson
Mortgage Loan Originator
Decades helping distressed homeowners
Experience with foreclosure alternatives
Personalized and confidential consultations
Solutions-focused approach — not pressure sales

The Earlier You Act, The More Options You May Have

If you received:

A Notice of Default
Lis Pendens
Sheriff Sale notice
Foreclosure complaint
Auction notice

Do not wait until the last minute. Many foreclosure situations can still be negotiated, resolved, or
strategically managed when addressed early.

Contact PRIME Real Estate Services today for a confidential consultation.

Important Disclaimer:

PRIME Real Estate Services and Leonel Lopes are not attorneys and do not provide legal advice.
Bankruptcy and legal matters should always be reviewed with a licensed attorney. Mortgage approvals
and refinance options are subject to lender and FHA guidelines.

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