It seems like lenders are anxious to take possession of a property, but that is actually quite far from the truth. It is an incredibly costly burden for a lender to take possession of a property and add it to their inventory of REO (Real Estate Owned) properties.

Many of our homeowners have attempted to negotiate with their lenders to come to a resolution and have failed. However, through experienced mitigation, accurate financial calculations and ratios, and compelling presentation of a proposal package to a lender, Homeowners can retain possession of their home and have their payments adjusted accordingly, thereby reducing the financial strain the Homeowner is under.

State Financial Services is a chapter of a non profit 501(c) 3 organization, was formed in December of 2008 to meet the critical needs of the American Homeowner in dealing with the economic crisis and/or the mortgage and foreclosure epidemic and has established a unique management team and a network of specialized professionals that are committed to reduce the economic stress that many Homeowners are facing today.

We are committed to helping America's Homeowners get back on track to financial recovery and stability. We offer many benefits to our Members, but none we feel is more important than our ability to stop your foreclosure for free!

We can offer this to Homeowners due to our extensive experience in dealing with lenders in last minute negotiations. We have saved homes from going into foreclosure within literally minutes of the auction beginning.  To begin the process, complete the Halt Sale form and return it to us immediately. The form can be filled out online and emailed to us or printed and faxed to us.