Obviously, foreclosure are increasing at an alarming rate Data from RealtyTrac. The deal pricing we discussed is based on the home value typically the deals are offered at 70-75% LTV (Loan to Value). We are offering the negotiated deal for a fee, again based on home value but you will get the home at about 75% LTV. We put your name on the contract and you will get financing or cash to purchase and we can find Hard Money (should be called easy money, easy to get but hard on the rate) if needed. -The rewriting of the note is called a loan modification, which we do everyday as well as forbearances to assist homeowners keep their homes. If a homeowner has positive income we can save their home which happens everyday.   The homes we are offering at 877YouKeep are from homeowners that can not afford their home or from other investors that want a fee for their work. We are in the trenches with the lenders everyday helping homeowners nationwide. It is a great feeling to be able to help, no matter what the under educated believe.