Toll Free: 1-800-308-4961

Options To Avoid Foreclosure


Borrower Designation of Representation PDF – Download
Click Here and Print This Form

Early Delinquency Intervention

Facing Money Problems:

Major life changes such as loss of a job, illness, or divorce can leave a person facing financial difficulty. Taking action right away is essential in reducing the possibility of foreclosure.

  • Do Not ignore the problem.
  • Call us and let us know as soon as you have a problem. You may reach us Toll Free at: 1-800-308-4961
  • Open and respond to our letters.

If you are receiving late notices from Wachter Investments, Inc., you need to contact us and let us know the circumstance that caused you to fall behind on your loan payment. Don’t wait until it is too late. The sooner we can work with you to get you caught up the better.

Each work out program will be reviewed on a case by case basis.


If you have an existing Real Estate Loan with Wachter Investments, Inc. and feel you may be unable to maintain payments, some options that may be available are:

  • Reinstatement
  • Repayment or catch-up plan
  • Forbearance agreement
  • Loan modification agreement
  • Reduction of interest rate
  • Refinance
  • Sale of the property
  • Short sale
  • Surrender of property
  • Deed in lieu of foreclosure
  • Foreclosure

Please be prepared to provide specific details about your financial situation.  Below is a list of financial information you should collect before calling us to discuss what options there may be to avoid foreclosure:

  • Statements from senior liens showing change in payment amount and/or interest rate
  • Income Documentation, such as current pay stubs, income tax returns and bank statements
  • Employment information
  • List of all monthly obligations/payments with corresponding balances owed on each debt
  • Appraisals or broker price opinions showing a significant decline in value
  • A written statement requesting a change to the loan

If your home is listed for sale, please provide a copy of your listing agreement/ and/or written purchase offer(s).  If you have had your home appraised, please provide a copy of your appraisal.


Keep Your Home California:
Toll Free (888) 954-5337

Wachter Investments, Inc. is a participating servicer for KYHC!

HUD Approved Counseling Agencies:

HUD Toll Free Counseling:
(800) 569-4287 or TDD (800) 877-8339


San Francisco Association of Realtors

San Mateo County Association of Realtors

Santa Clara County Association of Realtors

California Association of Realtors

You may speak with us directly or through your designated agent who can be a HUD-Certified Housing Counseling Agency, an attorney, or an authorized agent who may act us on your behalf.

If you wish to designate an agent, please complete and return the attached form (or any other form that provides essentially the same information) entitled “Borrower Designation of Representation” to:

Borrower Designation of RepresentationTo Download Click Here and Print This Form

Wachter Investments, Inc.
49 Park Road
Burlingame, CA 94010
Toll Free: (800) 308-4961

Equal Housing Opportunity Lender

Real Estate Broker
California Department of Real Estate #00746683

Nationwide Mortgage Licensing System ID #348288