Having completed hundreds of mortgage modifications, Citizens Home Advocacy has developed a five-step strategy for homeowners that provides greater flexibility and better long-term outcomes. The result is a service that not only makes sense, but also helps homeowners understand the short-term and long-term solutions available.

Listen.
While many loan mitigation companies have a specific program that promises solutions, Citizens goes further by listening to every detail that homeowners can provide about their original mortgage, current payments, and short-term financial situation. The more we know, the better equipped we will be to provide the right solution for your unique situation.

Focus.
After completing a private homeowner evaluation, Citizens narrows the number of choices that would be best suited to your situation. By discovering the best courses of action available, you can make better decisions than those you may have considered prior to consultation.

Educate.
In addition to hosting free presentations, educational programs, and seminars that provide homeowners with an overview of mortgage mitigation, we work one on one to educate homeowners about every option available to them. The more knowledge we can provide you, the more prepared and empowered you will feel again.

Action.
Once the homeowner chooses a course of action based on long-term financial goals and the recommendations of our experienced team members, we take action to expedite the process for a swift resolution whether you refinance, renegotiate, or short sell. Along the way, we record and provide a detailed and transparent account of every step in the process.

Resolution.
Quality service doesn’t begin and end with a transaction. By forecasting any resolution presented, we accurately paint a long-term financial picture that helps you and your family understand how long it will take to fully recover from the financial decisions you make to save your home, sell your home, or consider other options.