The FAIR Program
Loan Modification
Avoiding Foreclosure
How We
Empower Homeowners Everyday
Q? What is the FAIR Program?
A. The FAIR Program is a real estate brokerage that works with homeowners to overcome financial hardships, in order to eliminate debt and avoid foreclosure. FAIR stands for freedom, accountability, independence and responsibility. The FAIR program is designed to help individuals who are defaulting in their mortgage, awaiting a loan modification, in need of new mortgage assistance or maybe experiencing financial hardship due to missed mortgage payments.
Q? How much does the FAIR program cost?
A. There is no cost to you to participate in the FAIR program. All you need to participate in the FAIR modification program is your motivation to make a change in your life.
Q? How is FAIR funded?
A. There will be no charge to you for most of our services. If you decide to sell your home in an equity or short sale, the brokerage does earn commission on the sale.
Q? What do I need to qualify for the FAIR program?
A. Contact us, and one of our FAIR Counselors will walk you through our application process, and issue you a welcome packet that explains what we do, and how you can qualify.
Q? What qualifies a FAIR Agent to help me?
A. FAIR Counselors are licensed real estate agents with specialized knowledge in personal finance and lender trends. All FAIR Counselors must possess extensive experience with working with distressed properties and short sales, and adhere to the Ethics and Code of Conduct of the Department of Real Estate.
Q? Why are FAIR loan modifications provided at no cost?
A. Our #1 core value is to DO GOOD. We want homeowners participating in the FAIR Program to be set up for success, and financial freedom. If we can help you get approved for your loan modification, all we ask is that you share your success story, or give a review to help other homeowners in a similar situation.
Q? What is the Real Estate Division?
A. Our Real Estate Division works closely with the homeowner and their lender to determine if selling their home is the only option. If selling a home is the only option, our Counselors, who are licensed agents, are able to facilitate obtaining the listing, marketing the property, selling the property, and providing relocation assistance as needed.
Q? What is the difference between the FAIR Program and a loan modification?
A. The FAIR Program is made up of real estate professionals who are committed to assisting you with your loan modification documents, at no charge to you, and no matter the outcome, we stick by your side and assist you with any life-altering transitions that you must endure.
Q? Will FAIR Counselors help me get a loan modification?
A. Although the FAIR Program is not a lender, FAIR Counselors are prepared to give you all the resources you need to get approved for a loan modification. Our expert team can refer you to the right representation to see that you succeed in gaining mortgage assistance. And if you have been denied a loan modification, we are here to assist you in exploring every option available to you.
Q? What will my FAIR Counselor do to help me?
A. Your FAIR Counselor will evaluate your current situation, provide you a complimentary loan modification audit, verify the terms of your loan(s) with your lenders with you, and review all the options you have available to you, and assist with selling your home, and relocating your family, if necessary. We will give you the tools you need to make the next step and guide you through.
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How We
Empower Homeowners Everyday
Conquer Your Fears
For many people, the frustration of being unable to make their mortgage payment paralyzes them with fear and stress. They stop opening the mail, start avoiding phone calls and procrastinate on paying the bills.
The fastest way to feel relief if you are behind on your mortgage payments is to act quickly. The window to enact positive changes and avoid foreclosure is narrow.
Get On The Phone
Most homeowners aren't prepared to tackle what lies ahead of them after defaulting on mortgage.
If you can be specific and persuasive you may be able to negotiate a loan modification with your lender.
If you'd like assistance with this important step, contact us to guide you
through the process.
Negotiate
Equip yourself with documentation and facts to request a loan modification, refinance or lowered interest rate agreement. There are a number of options available to homeowners including a lowered interest rate, lowered monthly payment, or extending your loan term. Try to remain objective through this period as in the end, gaining a mortgage modification is ultimately a negotiation between yourself and your lender.
Put Your Home
On The Market Immediately
Put your home on the market immediately. When all else fails and you have been unsuccessful at working out a solution with your lender it is time to put your property up for sale-- immediately. Work with a FAIR Counselor another licensed real estate professional who has successfully represented homeowners previously in foreclosure. The faster you get your home sold, the less damage will be done to your finances.
We're Here to Help
We are licensed professionals who are invested in your success. Many of our FAIR Program counselors have also experienced similar challenges with debt during homeownership, and have overcome it by using our proven systems. We offer a specialized mortgage assistance tailored to your specific situation to ensure you reach your goals of financial freedom.
Our Company
The FAIR Program is a service for homeowners who suffer from financial hardship and are in need of clear, transparent advice on how to move forward debt-free and on the path to financial stability. We understand that keeping up with opportunities is time-consuming, and often difficult, when trying to avoid foreclosure. We offer good news. We are here to help.
How We Help
We believe in the American Dream, and that everyone should have the opportunity to achieve it. Right from the start our FAIR Counselors will invest as much time as it takes to get you back on the path to debt freedom and achieving that dream. Everyday, we are assisting homeowners prepare their loan modification documents at no charge. Whether you are approved or not, we are here to support you.
Do Good. We believe that the best way to conduct business is to have everyone’s best interests at heart. It’s about looking at how your decisions will impact the people around you before making them, and ensuring that you have a positive impact on as many people as possible.
Our Core Values
We strive for accountability and transparency in everything that we do and encourage a collaborative environment for the incubation of new ideas.
Our company’s core values are aligned with our personal ones. These values guide us in our day to day lives and they are the pillars of our business.
Transparency. The key elements to any successful relationship are deliberate communication, mutual understanding and trust. Being honest and open about ALL our dealings allows us to focus on the future and not worry about the past.
Diligence. The only way to deliver a superior product to the market and to leave a lasting impression is to be on point in everything that you do. We’re determined and dedicated. We encourage efficiency, accuracy, and readiness. We’re prompt, organized, and you can expect us to always follow through.
Passion. It’s simple – we love what we do and what we sell. We believe in our vision of fostering a contemporary lifestyle.
Growth. Profitability. Stability. This is the foundation of a successful future. We think ten steps ahead, put the appropriate plans in place, and measure results so we can keep finding ways to do things better.
Be Healthy. Good health is crucial to having a balanced life. We advocate not just physical well-being, but mental, emotional and financial health as well.
Dream Big. You can accomplish great things when you set your goals high and do what’s necessary to achieve them. What do we dream about? We dream about leading the contemporary movement in residential real estate, while helping the people around us grow professionally and personally.
Testimonials
New Channel
New Channel
FAIR PROGRAM Customer Review - Rafael
FAIR PROGRAM Customer Testimonial - Mylah
FAIR PROGRAM Customer Reviews - Lisa P
FAIR Program Customer Review - John
FAQ
Frequently Asked Questions
You have questions? We have answers! And feel free to contact us if you need further assistance.
Q.
The FAIR Program is a real estate brokerage that works with homeowners to overcome financial hardships, in order to eliminate debt and avoid foreclosure. FAIR stands for freedom, accountability, independence and responsibility. The FAIR program is designed to help individuals who are defaulting in their mortgage, awaiting a loan modification, in need of new mortgage assistance or maybe experiencing financial hardship due to missed mortgage payments.
A.
What is the FAIR Program?
Your Success Story Could Be Our Next...
Each week, we educate thousands of homeowners on the foreclosure process, and the options available to them. Below are just a few testimonials from homeowners who have been empowered by the FAIR Program!
Share Your Success Story
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There is no such thing as receiving special treatment from them because at Elements everyone feels like a special client! We couldn't be more thankful to the entire team for our super positive experience.
-Holly W
Englewood, CO
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I had such a wonderful experience with Dominic trying to get my issues resolved. He is doing such a great job and I am confident that everything is going to be ok. Because the moment I saw him I put my trust in him and he is truly professional.
-Gus Rojas
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Happy to see a company that isn't just out to get your money. This company reached out to help with a loan modification and it didn't cost me a dime. I am friends with multiple people in finance and the fact that this company did it for free absolutely shocked them. They were very communicative and insightful about any situation and always had an open ear about anything.
-Britt K.