You know that you have missed mortgage payments due to being "insolvent".. meaning you do not have the means to pay your mortgage.  You are in the process of a loan modication application or you have been denied, the bank will continue with the foreclosure process.

It is VERY IMPORTANT to contact a JOY ELLIOTT  joy@joyelliott.com as soon as you know you are on the brink of missing payments or if you have missed payments and receive the Notice of Default so the home can be listed for short sale immediatly so there is enough time to market and get into a purchase contract in order to postpone the Sale Date by the bank for your property.

Call Joy Elliott as soon as possible  510-326-2716 or joy@joyelliott.com