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Whether you live in Glen Burnie, Hanover, Severna Park or any where else in Anne Arundel County, chances are, you or someone you know is facing the possibility of foreclosure. But you need to understand that you are not alone.

Today, nearly 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.

There has been a lot of press covering the Federal Foreclosure prevention programs, but it's important to recognize that the laws governing the foreclosure process are State laws, therefore what may be law in one state may not hold in Maryland. It is critical that you know the laws that apply to  your situation. I take great pride in staying on top of the ever changing State and Federal laws and programs that affecting foreclosures and a homeowner ability to remain in their home.

Through my experience handling distressed properties at Champion Realty, inc, I've found that homeowners today have more questions than answers about their circumstances. I have created this site to help you understand the possible solutions to foreclosure, as well as provide a detailed explanation of short sales, which may be the best course of action for some, but not all, homeowners.

You may also have noticed that I'm offering you a FREE Report to explain your options and help you decide on a course of action. The idea of losing a home can be overwhelming, and I feel it is vital for you to have all the facts necessary to make an informed decision.

As an agent with the coveted CDPE® Designation, I have a strong and unique appreciation of the factors affecting the market, and know that there are options available to you.

If you would like to know more about your options, please call me at 410-975-3257.

I am here to help … in any way I can.

Thomas Hough