Terms of Service
These terms describe how I, Jacob Gregory, an individual in Staunton, Virginia, work with homeowners and with the professionals already helping them. They should be read with the Privacy Policy and the SMS Terms. The Important Notice on the website also applies. This is not legal advice. Have counsel review these terms before the site goes live.
1. How I work
I help homeowners who are behind on a mortgage, or who owe more than the home is worth. You don’t have to have everything figured out to start a conversation.
If a short sale may be the path, I negotiate with your lender on your behalf. You pay nothing for that work. If a fee is earned, the buyer pays it at closing, and only after your lender has approved the sale in writing. A separate licensed agent lists the home. I am not that agent.
If keeping the home may still be possible, I give you free guides and information so you can pursue options such as a loan modification, forbearance, or reinstatement.
I work alongside the professionals already helping you. I do not take their role, and I do not pay or accept referral fees.
I cannot promise that a foreclosure will be stopped, that a debt will go away, or that a lender will say yes. Lenders, and in some cases courts, make those decisions. You may stop working with me at any time.
2. What I am not
I am not a lawyer. I am not a HUD-approved housing counselor. I am not your lender or mortgage servicer. I do not give legal, tax, or financial advice. This is not legal advice. Please consult an attorney in your state about your situation.
I am not affiliated with HUD or any other government agency, and this service is not approved by the government or your lender.
If you want free, independent counseling, contact a HUD-approved housing counselor at hud.gov/housingcounseling or 800-569-4287. That is a separate service.
3. If a purchase is ever proposed
This website is not an offer to buy your home. If I, or anyone connected to me, ever propose to buy the property, you will be told in writing before you are asked to agree to it. That proposal will be disclosed to the lender. You are free to say no. You are also free to get independent advice before you decide, including from an attorney of your choosing.
4. Changes
I may update these terms. If I do, I will change the effective date and post the new terms at this page. If you continue to work with me after an update, the new terms apply. You may stop working with me at any time.
5. Contact
Jacob Gregory · Staunton, Virginia · Email: [EMAIL] · Phone: [PHONE] · Website: [SITE URL]