What's next?

The first advice you’ll get when you’re late with your payments or struggling to pay your mortgage is to consider a loan modification. That makes sense— but sometimes just on paper. In the real world, it’s often a lot more difficult. Chances are you’ve been through the process and the terms just don’t work. And now you’ve still got unmanageable debt or are headed towards foreclosure. So consider TrioNext. The Quiet Short Sale is the next alternative.

A short sale is when you provide the bank with an offer to sell the home for less than owed on the mortgage. Sometimes homeowners do this when they need to move and they owe more than the house is worth. Sometimes a short sale is an alternative to foreclosure – a solution that shows the bank you’re willing to help minimize the loss. Banks are generally motivated to work with homeowners because they can lose less money on a short sale than a foreclosure.

 Start by putting us on the case.

But even if a loan modification didn’t work, you still have options. And better options than a typical short sale. Instead of a do-it-yourself affair with agents, listings, signs and open houses, you’ve got TrioNext. We’ll bring a pre-approved, institutional buyer right away, with a formal offer to present to your lender or servicer. If that sounds like a better idea, then help us help you. Give us permission to contact your servicer to get the conversation started. Nothing can happen without your express written approval. Click on the link #2 to the left and provide us with a contact. And we’ll provide you with a new and better option. Options are good, right?

Our existing relationships with lenders, servicers and investors allows us to propose a solution to all parties and successfully close the deal quickly and quietly.

But the main benefit that most people see in TrioNext is that it provides an acceptable way out of a nearly impossible financial situation. This is what people we talk to are saying loud and clear.

 Count the ways we help:

First on the list is the ability to avoid foreclosure and take less of a hit on your credit. Next, there’s the way we do it—privately and quietly—without signs, open houses or nosey neighbors. We’ll work to negotiate a waiver of deficiency, so the mortgage balance that’s eliminated won’t come back to bite you. And for the rest of this year, the government won’t tax you for the amount forgiven. The program is structured to help you stay in your home, but you can leave if you want to. If you do stay, you may also have the option to repurchase at a later date. Each of these reasons is described in detail below.

 It's nobody's business but yours.

There’s nothing worse than having your financial difficulties on display for the neighborhood. Whatever made your mortgage debt unmanageable is your own business. That’s why our short sales are private. No "For Sale" signs. No nosey neighbors. No open houses. We negotiate with the lender in an entirely private process. With the Quiet Short Sale, TrioNext works behind the scenes to quietly resolve the situation.

 Avoid unnecessary damage.

Clearly, the number one reason you’re considering a short sale is to get out from under an unreasonable debt load or to save your home. But there are other, meaningful benefits too if your short sale is done with TrioNext. The common theme to these benefits is that they all provide you with a better way of moving on with your life, without significant, lingering problems with your credit, future collection, tax implications or the need to pick up and move. TrioNext handles all these problems cleanly and quietly, providing the best outcome: greater stability and control over your financial life.

 Free from future collection.

A deficiency is the difference between the amount you owe on your home and the amount it finally sells for. This includes any additional closing costs (i.e. escrow fees, real estate commissions, transfer tax, title insurance, etc.) associated with the sale that are incurred by the lender when you short sell your home. A deficiency waiver releases the borrower from liability for any deficiency associated with the mortgage upon successful completion of a short sale. We encourage anyone entering a short sale to have their deficiency 100% waived by their lender, in writing. That’s why we make it a priority with every TrioNext short sale.

 Yes, we said "stay".

TrioNext is designed around the idea of helping homeowners stay where the are and keeping neighborhoods intact. No debt resolution program, other than loan modification, offers the opportunity to stay in your home, long-term. And while we offer this benefit universally, some loan servicing guidelines limit a borrower’s ability to remain in a home after a short sale. To find out about your unique situation, it is first necessary to do a loan lookup. Click here for a form that gives us consent to help determine your loan servicing guidelines.

We offer a savings program where we match 25% of your savings contribution up to a $5,000 match. And for each month that you’re on time with your lease payment, we’ll set aside 10% of that payment to go towards your future repurchase. So it’s not just an option to repurchase, it’s a complete program that’s designed to help you get there. No other short sale program offers such a comprehensive plan to get you back on solid ground.

 Go ahead and put it all behind you.

If you have definitely decided to move on, we can still assist you in eliminating your mortgage debt. Simply click here, to access a simple form that that will let us get started. We may also be able to arrange for up to $3,000 in relocation assistance through the Home Affordable Foreclosure Alternatives (HAFA) Program. So if you’d like to make the decision to move on, and avoid the credit and financial damage of foreclosure. Take the next step. And move on with TrioNext.

 Help us help you.

TrioNext helps resolve mortgage debt by working with your lender to coordinate a Quiet Short Sale. Then, unlike traditional short sales, TrioNext converts your unrealistic mortgage into a reasonable lease. But in order to begin, we need current information to qualify you for a lease. Trio lease requirements are similar to renting and less stringent than qualifying for a mortgage. Our application includes a review of your housing history, employment, credit, and income. There is no fee for the application, and no obligation to continue once you complete it. We use this information to provide you with an estimated monthly lease payment so you’ll have certainty about your financial future. Click here to begin the lease application. If you would rather move on after a short sale, you have that option too. Click here to indicate that you’d rather just move on.

We are merely making you aware of an optional course of action. Understand too, that we are not associated with the government nor is our program —or any short sale program--specifically approved by the government. We will work to help negotiate a beneficial outcome with your mortgage holder, but we cannot guarantee any outcome. Some mortgage companies may choose not to participate. At any time during the process, you may reconsider your decision to participate. You are in control. You may accept or reject any offer we obtain from the lender or servicer. We do not charge you a fee for our services.

 Thanks for listening.

If you’d like help with your mortgage debt please start by filling our free application available here. If you’ve already been contacted by us, and you’d like to redeem your iPod shuffle, click here and enter your code in the redemption form. If you have any questions about TrioNext or how to redeem your code, call us at 1-855-NEXT-123 and we will help you with the process. Or email us at contact@trionext.com.

We offer the third way to finance a home. And we have a family of products to help you in any situation. As you’ve read here, TrioNext provides a unique solution to unmanageable mortgage debt. TrioReady provides an own option on homes ready to move into. TrioSelect lets you go “shopping” for a home to lease first and buy when you’re ready. And TrioSimple is the first national home rental brand. Visit our Trio site at thinktrio.com for more information.