Who is Nfinit Solutions? Nfinit Solutions, Inc. is a new subsidiary of Nehemiah Corporation of America, one of the most trusted names in the real estate industry. Since 1997, Nehemiah has served as a catalyst for economic empowerment and wealth creation by expanding opportunities for responsible homeownership, affordable housing, and community revitalization. Through its Down Payment Assistance Program, it has enabled over 325,000 families to become homeowners and provided more than $1.5B in down payment gift funds. In 2009, Nehemiah Corporation of America launched Nfinit Solutions, Inc. to focus on the development and implementation of paradigm shifting solutions for the housing industry. 

Leveraging the innovative spirit, experience, relationships, and process capabilities of its parent Company, Nfinit plans to deliver scalable branded solutions for its customers and business partners including homeowners, mortgage lenders, real estate professionals, and homebuilders. How is Nfinit Solutions, Inc. different from loan modification/workout companies? There are no upfront fees to the homeowner and we only receive a fee if we successfully complete a home retention or workout solution. Our home retention specialists are licensed by the California Department of Real Estate to negotiate solutions on behalf of homeowners in California, and have the industry knowledge and experience necessary to ensure the best possible outcome for homeowners. Why should I consider paying someone to help me negotiate with my lender? Nfinit is committed to providing each qualified homeowner with sustainable home retention solutions designed around their needs unlike loan modification companies who handle loan modification exclusively, regardless if they are the best solution for the customer. Our Home Retention Advantage program provides education, unbiased home retention solutions, and dedicated resource support that helps you keep your home and maximize it’s value. We do not promote any specific workout strategy until understanding your needs and financial circumstances.

Furthermore, there are no upfront fees to the homeowner and we only receive a fee if we successfully complete a home retention or workout solution. Our home retention specialists are licensed by the California Department of Real Estate to negotiate loan modification solutions on behalf of homeowners in California, and have the industry knowledge and experience necessary to ensure the best possible outcome for homeowners. Our homeowner representatives have a wealth of experience handling all types of home retention solutions. Our success rate is high because of our experience and the relationships we have cultivated with most lenders and servicers. We have educated lenders and servicers about our program and its responsible approach. These parties are more cooperative because they know they can trust us. We keep ourselves educated regarding any state and federal guideline changes and make adjustments to our program in order to support these guidelines. The result is a high conversion rate for our clients Do I need to have a certain type of mortgage loan for Nfinit Solutions, Inc. to help me? No.  We specialize in the negotiation of government and non-government mortgage delinquencies for homeowners. Some examples of these types of loans are FHA, Rural Administration, VA, Freddie Mac, Fannie Mae, or other conventional loans.
What are the costs of your program? Nfinit Solutions, Inc. charges no upfront fees. Upon completion of a workout solution for a primary first mortgage, a fee of $1,900 is due as part of finalizing the process. We are also happy to assist you with any additional mortgages, such as your second mortgage. We require a complete package for each mortgage, and each additional package assesses a fee of $750. Our process is different than other companies in that the homeowner pays nothing in the event we are not able to provide the services agreed upon in the contract.  In most instances our fee is lower. Also, the homeowner pays $0 in the event we are unable to secure the terms as outlined in the homeowner’s contract. Does my mortgage company want to foreclose on my property and take my house? Absolutely not!  Most mortgage companies want to avoid the cost of foreclosure and recovery actions. In the event that the lender or servicer will not settle with the original offer for negotiation, they will return with a counter offer that may be favorable to the homeowner.  They are willing to work with homeowners because they are looking to maximize their revenue, profits, and image. Will every homeowner be able to benefit from Nfinit Solutions Home Advantage Program? Although it is our desire to assist every homeowner, it has been our experience that our program is most effective when the situation fulfills certain criteria. If you find that the Home Retention Advantage is not the right program for you, we can assist you by providing you with referrals to free resources and our Do-It-Yourself Kit at no cost to you. The kit is a step by step guide to requesting your own workout solution. It also includes contact information for non-profit organizations that may be able to assist you with your request. Do I have to be late on my mortgage to be eligible for your program?
Our philosophy is to encourage homeowners to stay current on their mortgage if they can. However, our experience has been that lenders prioritize home retention requests based on the homeowners' circumstances, and their response time for less critical situations is not conducive to a successful workout solution. Therefore, we focus our efforts on those cases that will elicit a timely response from the lender. Is it too late to save my home if I am currently in foreclosure? Unless the bank has already taken the house back, it is not too late.  If you have received a notice of foreclosure, we recommend contacting your lender immediately. Is my lender or servicer going to continue to call me? One of our first steps in the home retention process is to contact and notify the homeowner’s lender or servicer that we are processing a home retention request and ask they contact us directly on the homeowner’s behalf.  Since we are working diligently to negotiate each file, and because the homeowner may not know his/her current status of negotiation, it is essential that lenders or servicers contact Nfinit in regards to questions about a homeowner’s loan modification.  Despite receipt of the third party agreement, however, the lender or servicer may continue to contact the homeowner, and should this occur the homeowner may advise them that they are working with Nfinit Solutions, Inc. and to contact us to discuss their loan status. What happens if you can't get a successful retention solution? In order to optimize the success of the Home Retention Advantage program, we ask the homeowner several qualifying questions when they begin the process. If a homeowner is unable to obtain a home retention solution, their lender or servicer may offer other options such as a short sale or deed-in-lieu of foreclosure as alternatives, and we will assist with these options as well. How long do we have to act? When a mortgage is in default, each day that passes makes it that much harder to get a positive workout agreement with the lender or servicer. The foreclosure process in California usually takes about 90 days, so a home retention request should be made as soon as possible. How do I get started? After speaking with one of our representatives, a contract must be signed, and a series of necessary documents relating to the homeowner's financial situation, income, and mortgage details must be completed for each loan needing a workout solution and submitted to us. How long does the home retention process take? Each homeowner's situation is unique and the time varies based on the servicer's or lender's response time, cooperation of the homeowner, and the degree of hardship. What is the Hardship Letter? The hardship letter is a written explanation of the homeowner's financial situation, including why the homeowner is unable to make their mortgage payment in full or on time, or to explain foreseeable financial distress. Some examples of acceptable hardship are: loss of employment, reduced work hours, reduced income, failed business, job relocation, illness, death of a spouse/co-homeowner, separation/divorce, military duty, incarceration, injury, medical bills, severe property damage (i.e., natural disaster), or a recent increase in the interest rate, causing severe financial distress. What are my tax liabilities with a home retention solution ? Each homeowner's situation is unique. We advise homeowners to consult a licensed, experienced tax professional regarding their tax liabilities in their state.