Facing Pre-Foreclosure: My Personal Journey and How I Can Help You

Hello! I’m Vanessa Saunders, and while I’m new to New Hampshire, I bring years of experience from New York dealing with tough situations like pre-foreclosure. This topic can feel overwhelming, but I’m here to help you understand it better and find a way forward.

I’ve faced this myself — when Hurricane Sandy destroyed our home in New York back in 2012, the insurance company refused to pay a cent. It was a challenging time, but it taught me a lot about resilience and finding solutions in tough situations. Now, I’m here to use that experience to help others in the same boat.

What Does Pre-Foreclosure Mean?

Think of pre-foreclosure like this: if you owe someone something important, like money, and you miss a few payments, the lender (the one who gave you the loan) starts to worry. They might even start planning to take back what they lent — in this case, your home.

In New Hampshire, lenders must provide written notice at least 25 days before starting the foreclosure process. They must also advertise the sale in a local newspaper for three weeks. This gives you some breathing room, but it’s crucial not to wait too long to take action.

Why Waiting Is Not an Option

I know it might feel easier to stick your head in the sand and hope the problem goes away, but the truth is, it won't. The one thing guaranteed to disappear if you ignore it is your credit — and eventually, your home. That’s why it’s essential to act now, even if it feels like it’s already been a long time since you first got notified.

How I Can Help: My Experience and Expertise

I’m a PSA — that’s a Pricing Strategy Advisor, and a CDPE — a Certified Distressed Property Expert. These credentials mean I’m specially trained to help homeowners like you navigate difficult situations, including pre-foreclosure. As an Associate Broker with Keeler Family Realtors, one of the oldest and most respected brokerages in the area, I also partner with experts in title and real estate law to help guide you through every step.

What Does This Mean for You?

It means you don’t have to face this alone. I work closely with a team of title experts and attorneys who specialize in these matters, ensuring you get the best possible advice and support. We’ll explore your options — whether negotiating with your lender, considering a short sale, or finding other ways to avoid foreclosure. My goal is to keep you informed and supported every step of the way.

Let’s Make a Plan Together

Don't wait and hope the problem will go away. Reach out to me, and let's talk about your unique situation. Together, we can explore your options and find the best way forward — before it’s too late.

A Fun Fact to Lighten Things Up

I’ve recently moved to the beautiful Lakes Region of New Hampshire and have been loving every minute of it! I’m excited to bring my experience to help my new neighbors. Whether it’s a friendly coffee chat or a deep dive into your situation, I’m here to support you.

Take Action Today!

If you or someone you know is facing pre-foreclosure, don't hesitate. Let’s discuss your situation, explore your options, and find a solution that works for you. Remember, doing nothing guarantees losing everything, but taking action can make all the difference.