Struggling With Your Loan?
We’re Here to Help.
Complete this short form & schedule a consultation to begin the Loan Resolution Process
This is not an attempt to collect a debt. Any information provided will be used only to explore resolution options in good faith. All communication is confidential.
Who Is Essential Investment Group?
Essential Investment Group is the current holder of your mortgage loan. We're not a bank or collection agency - we're a private investment firm that works with borrowers like you to find practical resolution paths.
Respectful, no-pressure communication
Customized resolution plans
Fast responses from real people
Your Resolution Options
At Essential Investment Group, we understand that every borrower’s situation is unique. That’s why we offer a range of flexible options to help you resolve your loan — without pressure or judgment.
Loan Modification
What it is:
We work with you to adjust the terms of your loan. Options include extending the term, lowering the interest rate, or reducing your monthly payment to make it more affordable.
When it helps:
If you’re behind on payments but want to keep your property and can commit to a new, manageable payment structure.
Benefits:
• Keeps you in your home
• May stop late fees or collections
• Shows effort toward resolution to improve your standing
Payment Plan / Reinstatement
What it is:
We agree on a short-term plan that helps you catch up on missed payments while maintaining your regular monthly amount. Often involves paying a little extra each month until you’re current.
When it helps:
If your financial hardship was temporary (job loss, illness, etc.) and you’re now able to resume payments.
Benefits:
• Avoids foreclosure
• Rebuilds credit with on-time payments
• Simple and straightforward
Lump Sum Settlement (Discounted Payoff)
What it is:
We offer you the opportunity to resolve the debt in full by paying a reduced amount in one lump sum. The remaining balance is forgiven.
When it helps:
If you have access to savings, a refinance, or family assistance; but can’t afford to pay the full balance.
Benefits:
• Settles the debt permanently
• No future payments required
• Can reduce credit and legal risk
Deed-in-Lieu of Foreclosure
What it is:
You voluntarily transfer the property back to us to satisfy the debt and avoid foreclosure proceedings. This is a formal agreement and may require property condition review or vacancy.
When it helps:
If you no longer want to keep the property or can’t afford to catch up — and want to exit without a lengthy foreclosure process.
Benefits:
• Avoids the stress and stigma of foreclosure
• May reduce damage to your credit
• Ends your financial obligation without court involvement
Cash-for-Keys
What it is:
If you agree to vacate the property voluntarily and leave it in good condition, we may offer you a cash incentive to help with relocation.
When it helps:
When a deed-in-lieu or foreclosure is imminent and you prefer to leave on your own terms with support.
Benefits:
• Provides moving assistance
• Helps you relocate with dignity
• Speeds up resolution for both sides
Not Sure Which Path is Right for You?
You don’t have to decide alone. Our team is here to talk through your situation, explain every option in plain English, and help you move forward — with no pressure.
Why Work With Essential Investment Group?
At Essential Investment Group, we know that behind every loan is a real person with real challenges, goals, and responsibilities. We’re not here to pressure you. We’re here to partner with you.
A Human Approach
to Resolution
Instead of waiting years for monthly payments, sell your mortgage note today and receive a lump sum; fast and without the hassle.
Clear, Honest Communication
We explain your options in plain English, no confusing terms or hidden conditions. You’ll always know what’s happening and why, and you’ll never be pushed into something that doesn’t feel right.
Flexible, Case-by-Case Solutions
Every borrower is different. That’s why we offer a variety of resolution paths, from loan modifications to settlement opportunities. We work with what you can realistically do — not what some big bank demands.
Confidential and Non-Judgmental
Your story stays private. We handle every case with compassion and integrity, and we never share your information without your consent.
Real Results, Real Relief
We’ve helped countless borrowers avoid foreclosure, settle their debts, and regain peace of mind. Whether you’re trying to keep your home or start fresh, we’re committed to helping you move forward.
Decisions Made Here
You’re dealing directly with us — no brokers, no delays. That means faster answers and more flexible solutions tailored to your situation.
Frequently Asked Questions
I’m behind on payments, what should I do?
Contact us as soon as you can. The earlier we talk, the more options we can offer; like payment plans, loan modifications, or even settling the debt for less. We’re here to help, not judge.
Can I still save my home?
In many cases, yes. If your goal is to stay in your home, we’ll explore options that could make that possible, like a loan modification or a structured repayment plan.
What if I can’t afford to catch up?
You may still qualify for a reduced payoff or other resolution that doesn’t require bringing the loan current. We’ll work with your current reality, not just the numbers on paper.
Am I going to be foreclosed on?
Not necessarily. Foreclosure is a last resort. If we can agree on a resolution plan, we can often stop that process entirely. Reaching out is the best way to protect your options.
I lost my job / had a medical issue, does that matter?
Yes — and we understand. We consider real-life hardships and try to find a path that reflects what you’ve been through and where you’re headed now.
What happens if I do nothing?
Doing nothing can limit your options and potentially lead to foreclosure or legal action. Reaching out doesn’t lock you into anything — it just keeps your choices open.
Can I leave the property and still resolve the loan?
Yes. If you don’t want to keep the property, we can explore options like a deed-in-lieu of foreclosure or cash-for-keys that help you exit on respectful, clear terms.
Will talking to you cost me anything?
No. There are absolutely no fees to talk to us, explore your options, or get a resolution offer. You are under no obligation to accept anything we propose.
Need Answers? Let’s Talk About Your Options
You don’t have to face this alone. Explore real solutions in a free, no-pressure consultation with someone who’s here to help.
Essential Investment Group is a private investment firm and current holder or authorized representative of certain mortgage loans. This page is for informational purposes only and does not constitute legal or financial advice.
This is not a public offering or solicitation of funds. Any resolution options offered are subject to borrower qualification, loan review, and investor approval.
This communication is from a debt holder and may be considered an attempt to collect a debt. Any information obtained will be used for that purpose. If you are represented by an attorney, please direct all communication through legal counsel.
We do not discriminate on the basis of race, color, religion, sex, marital status, age, national origin, or any other protected class.
All borrower communications are kept confidential and handled in compliance with federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA).