After closing our family business and returning to a single-income, meeting our mortgage obligations became increasingly difficult. The combination of ongoing bills and existing debt made consistent payments unsustainable.
I initially applied for mortgage assistance directly through our lender but was denied. A friend then referred me to www.SaveYourHomeCA.org, where I was connected with Todd Cunningham. Todd took the time to fully understand our situation and guided me through the reapplication process. He provided clear assurances and consistent communication throughout, walking me step-by-step through the necessary documentation and requirements.
Given that our loan is an FHA loan, Todd’s familiarity with the loss mitigation program proved invaluable. Thanks to his knowledgeable assistance, we were successfully approved for a loan modification that included a partial claim.
The approval news was deeply moving for my wife and me. We are profoundly grateful to Todd and the SaveYourHomeCA.org program for helping us retain our home and establishing a sustainable path forward with our mortgage payments.
This service provided the professional support and expertise we needed during a very challenging time.
Thank you
I can't express in words how thankful I am. Praise God for connecting me to you and your organization. You're a blessing, brother! Thank you!
My family and I will forever be grateful for Todd and Save Your Home California. We prayed to God every day to help us through these trying times of almost losing our home, and he answered our prayers by connecting us to Todd and Save Your Home. Todd was very easy to work with; he was knowledgeable and was very responsive, making the entire process less stressful for us. He followed up with us every week, letting us know that we haven't been forgotten, even on days when he seemed overwhelmed with the other families he was helping. Todd’s work and effort showed me that he’s a person who truly cares about others. God bless Todd and Save Your Home California!
I highly recommend them to anyone at risk of losing their home. 5 out of 5 stars!
One night I could not sleep thinking of losing my home to foreclosure and by navigating the internet I came across the Save your Home California website. The following day, I called and talked to Todd Cunningham. He was very patient and listened to my problem. My mortgage servicer wanted to foreclose on my Home. Todd sent me by mail an application and once he received it started to working with my servicer on helping me to apply for a loan modification. I was getting nervous as time went by. In about 2 months I wanted to hire an attorney to help modify the loan. Todd advised me to be patient and to wait for a reply from the servicer.
My testimony is as follows:
1. Todd's assistance became a complete success as my servicer SPS -Select portfolio just mailed me a letter indicating that my loan would be modified. (Please see attachment of the letter from SPS)
2. I never received any request from Todd, to pay any fees to Save Your Home California.
3. A home owner that is going through foreclosure has a large level of stress. Todd Cunningham has perform every professionally with assistance on my case and took me step by step through all the documentation requested by the servicer.
4. Furthermore, I would like to express that in 2008 I was losing my home to a predatory lender (Country Wide Bank) who caused many homeowners to foreclose. At this time, I had to fight all the issues alone without any assistance or professional help.
As a home owner, stressed of losing my home along with hundreds of other home owners in San Diego we began to get organized. Not knowing what to do we gathered down town San Diego at the Logan Library and invited congressmen, and the City Mayor as well as real estate attorneys to help us. Unfortunately, the lawyers would charge very high fees starting as much as 15 to 20 thousand dollars to start each case. The majority of the home owners did not have the funds and most of them lost their homes. Some died of stress. I have personally witnessed 3 deaths from our group.
5. Todd Cunningham is helping home owners to go through all the required steps to save homes and his organization deserves to have all the support by state and federal authorities to continue with this good work.
I would like to express my sincere gratitude to Save Your Home California for his invaluable assistance during the COVID-19 crisis. Todd's extensive knowledge of loss mitigation guidelines played a crucial role in helping me retain my home during a challenging time. Todd is not only highly knowledgeable but also genuinely dedicated to supporting homeowners in need. Save Your Home California did not charge any fees.
Outstanding organization to whom I'd recommend. Didn't charge me a cent was the biggest feature I couldn't believe. Many worried nights alone till I met the people at Save Your Home California. Who turned the positive side of me. I would recommend Save Your Home Californiato everyone.
Thank you,
I am writing this note to record my, and my son's, appreciation for Save Your Home California service which saved my son's house from foreclosure. Mr. Cunningham provided unwavering professional support over an extended period. He is a very competent, easy to work with, honest man. He listened to his client, gained a good understanding of the challenges of the situation, and made us aware of all the various options available and what each entailed. It is important to note that Mr. Cunningham never charged any fee of any kind. He kept in touch and provided timely updates and explained what was happening and what to expect. Mr. Cunningham offered sound realistic hope for a positive outcome. And he delivered the hoped-for outcome.
Previous attempts to get assistance in avoiding foreclosure can be characterized as not really being focused on my son's special circumstances. It seemed my son's hoped-for assistance wasn't a priority. That fueled anxiety and a lack of confidence that a positive outcome was in the future. That all changed for the better once Mr. Cunningham got involved.
Mr. Cunningham and Save Our Home California earned our trust and proved their commitment to saving homes for Californians. We would highly recommend them to anyone in California who is in jeopardy of foreclosure on their home.
I reached out to your organization in January of 2022 after I was notified of a free service you provided that helped homeowners save their homes from foreclosure.
I had gotten behind on my mortgage during the Covid pandemic. I’d been trying to negotiate a mortgage modification with my lender for months with no luck.
When we spoke, you gave me calm, confident advice. Although you made no guarantees, you anticipated that you should be able to get my lender for a second tier review.
I engaged your services in February of 2022. In April of 2022, you brought to me a viable modification and I signed the contract with the lender that month. In May of 2022, I began making regular payments with no arrears and was able to save my home. You did exactly what you said you would do.
During this entire time, you charged me nothing, nor did you ever request money for your services. I am eternally grateful for the incredible service you provided me.
I still live in my home to this day.
I have had the pleasure of working with Save Your Home California with assistance on my mortgage assistance options. Todd had never charged me or requested funds for his service. I sought out services from Todd at Save Your Home California when I was initially denied assistance with PHH Mortgage Servicing for a loan modification and the California Mortgage Relief program. With his assistance he was able to provide details on how I did not submit my application with the correct information and he was able to get my application decision appealed. Todd provided honest and helpful information with this process and never made me feel insecure about my situation and need for assistance.
Todd, thank you for all of your free assistance and coaching. You help us with a large problem the mortgage servicer. The 4 months of suspended mortgage payment August thru November. We applied several times with no success and you helped us resolve the problem.
Thanks much from Tony and Joy. Now we can get our finance in order.
Very few times in life do you find people who want to help you, Save Your Home California reached out a kind hand and helped us save our home. We can't thank you enough for that.
Thank you for informing us of options and taking the time to walk us through it. You were patient and you gave us hope.
My family sincerely wishes you the best!!
I cannot express enough how thankful I am for the incredible support I received from Save Your Home California during one of the toughest times in my life. The threat of foreclosure loomed large, but their team, particularly Todd Cunningham, provided exceptional help that truly changed my situation for the better.
Todd Cunningham handled the entire process with outstanding professionalism and commitment. He was instrumental in postponing the foreclosure, allowing me the crucial time to consider my options. Todd took the lead in managing all the details with great care. His thorough approach brought me immense peace of mind.
What impressed me the most was Todd’s steadfast dedication to providing these services without any upfront costs. The efforts of Todd Cunningham and the comprehensive help from Save Your Home California made a world of difference. I am truly grateful for their compassionate and dedicated service.
Thank you, Save Your Home California, and a heartfelt thank you to Todd Cunningham for being a guiding light during such a difficult period.
I REALLY APPRECIATE THE EFFORTS MADE BY SAVE YOUR HOME CALIFORNIA EVEN THOUGH I DO NOT HAVE A POSITIVE OUT COME AS OF YET THE DILIGENCE AND CONSTANT DETERMINATION REALLY IMPRESSES ME. WITH THE HELP OF SAVE YOUR HOME CALIFORNIA I AM CURRENTLY IN REVIEW FOR LOSS MITIGATION OPTIONS WITH MY SERVICER. I HAVE HAD A VERY DIFFICULT TIME WITH SPS AND APPRECIATE THE FREE ASSISTANCE.
THANK YOU!
Thank you after all the time you patiently spent with us. (Assistance during COVID) All your extremely knowledgeable advise and direction was priceless (literally!) to us. Without this free service you provided, we don’t know where we would be today. We felt that you were nothing but, honest, non-judgmental and understanding of our unfortunate and critical situations.
Your kindness has never gone unnoticed nor unappreciated!
THANK YOU!!!!
I had financial hardship, and my home went to foreclosure. In early 2023 I contacted several sources for help to stop foreclosure.
I reached out to Save Your Home California and Todd provided many solutions options.
He is prompt, knowledgeable and did not quit until problems are resolved. Save Your Home California never ask for any fees for his assistance and I am still in my home today.
He always exceeds my expectations.
I enjoyed working with him because he always delivers.
I can assure you that Save Your Home California has efficiently preformed their duties by helping myself with any complications I have had dealing with my loss mitigation needs.
In the duration of time Mr. Cunningham has worked on my case he has yet to neglect any documentation or lacked communication in my case. In fact he has provided relief by taking the weight off my shoulders.
Mr Cunningham has never charged any fees, or any fees for the free service.
I recommend Save Your Home California assistance in handling others concerns regarding their home.
Thank you,
I wanted to say thank you for helping and taking so much interest in order for me and my family to save our home and without asking for any type of payment in return.
We very much appreciate the effort and dedication you took in doing this for us.
This was all possible because of you.
Thank you again,
Save Your Home CA has help me and my family keep our home after
the death of our family member. Mr. Cunningham was very
passionate in help my family remain in our home and not become
homeless. The family home was in foreclosure. He help me
understand loss mitigation terms and what was best for us.
He investigated and took me step-by-step led me through paperwork. Mr.
Cunningham also gave my family no money out of pocket service. My
family appreciate all he has done.
Thank you Mr. Cunningham and
Save Your Home California.
I am sending in a testimony on the assistance I received from Save Your Home California and Todd Cunningham during COVID. I was in the middle of a loan modification before the pandemic happened. Because of income loss my servicer placed me into a forbearance. When my forbearance ended I reapplied again but was declined. I reached out to to Todd Cunningham at Save Your Home California for information and help.I am self employed and I was making mistakes. The help I received got my file back to the underwriter, but then the servicer transferred my mortgage to a new servicer. I called Todd and he sent me information I needed to get started with the new servicer. Same thing happed again, I was transferred to a new servicer while in review with a complete loss mitigation application. I went through 3 servicer transfers during COVID. I was extremely stressed and frustrated but Todd Cunningham coached me through the process and helped handle the file with the final review that got approved.
This process took a year, and Todd Cunningham never charged me any fees. He handled the final review, helped me file multiple complaints and I got the approval.
Without Todd Cunningham's honesty, knowledge and persistence I would of had to file a bankruptcy to avoid a foreclosure. I am in my home today with his help. I will recommend his free assistance to anyone that has to deal with the loss mitigation process.
I would like to write a quick testimony for Todd Cunningham and Save Your Home California. I have used this service twice and was able to both times save my home from foreclosure. I originally contacted Todd Cunningham before COVID pandemic and was able to receive help with my servicer SPS during a difficult time with my income. I am self employed and had a very difficult time with SPS for an approval. With Todd Cunningham’s free coaching I was able to get reviewed correctly for a loan modification. I was never charged any fee.
Unfortunately I had to call back for more help during the 2nd wave of COVID. I was still having financial hardship during the pandemic. SPS was getting extremely aggressive and I needed help to save my home. Todd Cunningham’s coaching and honesty are very helpful and he never charged me a fee. I would highly recommend this free service to anyone in a difficult time with their servicer.
Thank you,
I requested Save Your Home California for assistance in saving my residence from foreclosure. Although I had directly been working with my mortgage servicer, we have come to a point where they have deemed it in their interest to schedule a "sale date" for my property at auction.
Mr. Cunningham took my request for assistance with the same urgency and concern that I was experiencing and immediately took action and is currently in negotiations with them to preempt foreclosure and consider other options. In everything he has done, Mr. Cunningham has never mentioned any fees. His main concern is getting the job of saving my home from foreclosure done.
Undoubtedly, he is and will always be an excellent asset to the California Real Estate Industry. I recommend Save Your Home Ca to any homeowner dealing with the problems of loss mitigation and mortgage servicers.