Best Way to stop foreclosure

Bella Homes, LLC is the result of a collaboration of some of the best legal minds in the nation and is founded upon the fundamental principle that families, not banks, should own homes. We proudly stand out as an ethical and legitimate alternative to those less credible companies whose predatory tactics do nothing but exploit the homeowner' financial predicament.

We are committed to helping troubled homeowners remain in their homes and secure them for long time use. Our program, which addresses a number of financial crises, is compliant with both state and federal law, is endorsed by the legal community and is highlighted by the following:

We help troubled homeowners whose homes are upside down with little to no equity
For qualified homeowners, we will purchase their home from them for the amount of the first mortgage and second mortgage and other liens and then lease their home back to them for a period of three to seven years.
This lease will include an Option Memorandum, granting the homeowners an exclusive option to repurchase their home.
Our goal is to purchase the homeownersâ%u20AC%u2122 mortgage from their lender at a discounted rate. If we are unsuccessful in doing so, we will conduct a forensic audit of their mortgage to determine if their mortgage is illegal. If that is, indeed, the case, we will then file a lawsuit against the lender to prevent them from proceeding with foreclosure.
Once we successfully purchase the homeownersâ%u20AC%u2122 mortgage from the lender, we will, at the end of their lease, sell their home back to them at 90% of the fair market value at that time and credit them at closing for 60% of the rent paid. If they are unable to obtain a mortgage, we will also provide them with owner financing through one of our subsidiaries at the time they exercise their exclusive option to repurchase their home. Based on the foregoing, the homeownersâ%u20AC%u2122 new monthly payment and mortgage balance will ultimately be 40% to 60% lower than their current monthly payment and principal balance.
If, by the end of the homeownersâ%u20AC%u2122 lease, we are unsuccessful in purchasing their mortgage from their lender, we will then deed their property back to them.
The transition from homeowner to tenant is but a temporary one and our leases are designed to afford you every right and protection available under law. By participating in our program, you can enjoy every benefit and safeguard that our program has to offer, all at no cost to you, including the following:

Protection from personal liability for any financial deficits due your lender after foreclosure or short sale, also known as a court-mandated deficiency judgment (which can be used by your lender to garnish your wages up to twenty years);
A new, lower monthly payment, typically 40% - 60% of your current monthly payment;
A new principal balance, typically 40% - 60% lower than your current principal balance;
A contractual obligation to limit increased payments. This is in stark contrast to the aforementioned predatory agencies whose contracts do not legally bind them to protect you and who will offer you a low rate at the beginning and thereafter raise it far beyond your ability to pay;
Owner financing, even if you have difficulty qualifying; and
Peace of mind, perhaps the most important benefit of all.