Worried about getting a new mortgage after a short sale, deed in lieu or modification?

Even if you’ve been denied by a lender, housing counselors are standing by to help. Get “mortgage-ready” with solutions that can ensure that past mortgage credit from a short sale or modification… and even a deed-in-lieu or excessive mortgage lates… don’t show up as a foreclosure and result in a new loan denial.

For help now, contact us at 1-866-702-4557 or housing@navicoresolutions.org.

Be “Mortgage Ready” Before Purchase

HUD approved housing counselors are available to assist consumers who have had a past short sale, modification, deed-in-lieu, or even excessive mortgage lates to prepare for reentry back into the housing market.

Did you know that your past mortgage credit can show up as a foreclosure causing a denial for a new mortgage?  The problem is usually discovered when a new conventional mortgage loan is run through a lenders automated underwriting system.

Unfortunately, this problem often does not get discovered until you are already in the mortgage process. The foreclosure problem isn’t visible on a regular credit report.  It is visible on the Fannie Mae and Freddie Mac automated results. Your loan officer may be able to see this on a mortgage credit report that links to details from the three credit bureaus, Experian, TransUnion and Equifax.

Get ahead of this problem before you sign a purchase contract

First, you’ll need to complete a residential mortgage application and have a tri-merged credit report pulled.

Then, the mortgage application and credit will be uploaded into the Fannie Mae system and the automated results will show if your past mortgage credit shows up as a foreclosure.

Proof of the initial event date such as a closing statement and proof of the initial short sale or modification approval from the lender is also required.

Call us at 1-866-702-4557 for assistance that will ensure that your past mortgage credit is corrected prior to making a new home purchase. We want you to be “mortgage ready” when you go to a loan originator or lender for your home loan approval.

There is a fee paid upfront for this service.

Loan originators can provide a credit back to you for closing costs on a new mortgage closing. Talk to your housing counselor and lender for more details.

For help now, contact us at 1-866-702-4557 or housing@navicoresolutions.org.


Contact Us

Contact us at 1-866-702-4557 or housing@navicoresolutions.org.

We all know the burning feeling of embarrassment if we have ever been turned down or judged because of a financial issue. We often experience our financial worthiness as reflecting on ourselves as individuals, too. It can be mortifying to have a realtor, banker or mortgage lender tell us we are not “credit worthy” or not “qualified” for a home purchase. Such experiences can feel emotionally negative and even painful.

It’s not just a credit issue, it’s an emotional issue, too.

We understand these feelings! Channel this emotional energy by getting the expertise of a certified housing counselor who has worked with thousands of people who have been in the same exact situation. Millions of people just like you have had once-in-a-lifetime experiences that resulted in a past foreclosure, short sale or other credit issue that affect their capacity to purchase a home now, years later. Many people just like you have worked hard to overcome their setbacks only to discover that miscoded credit references or other credit technicalities continue to hold back their progress. Our team understands what you are experiencing and will serve your needs in a warm, supportive and confidential manner. Let us help you succeed in achieving your financial goals and outcomes.


About Housing Counseling


More than 8 million homeowners have sought the assistance of nonprofit HUD approved housing counselors since the beginning of the housing crisis. It is the job of the counselor to help individuals identify their financial obstacles to homeownership and work to resolve them. Consumers report that they particularly appreciate that the counselor is there especially for them, tailoring solutions to fit the consumer’s precise situation, taking the time necessary to understand their unique issues and working tirelessly to help them reach their goal of sustainable homeownership.

Helping consumers who have gone through a short sale

Housing counselors can be especially useful to those individuals who went through a short sale following the crisis and are now trying to re-enter the housing market. Many of these consumers report they are incorrectly coded by the credit reporting agencies as having gone through foreclosure. Oftentimes, this error results in an otherwise-qualified borrower being denied a new home loan. This is a complex problem which requires the help of specially-trained housing counselors.

One Group is Especially Trained to Help

One group has stepped forward to help the two million households who have gone through a short sale but are wrongly coded as having gone through a foreclosure. The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. NFCC has identified one of their leading organizations, Navicore Solutions, to be the national leader in developing effective solutions for households with this problem.

This mission of Navicore Solutions is to strengthen the well-being of individuals and families through education, guidance, advocacy and support. Their professional staff have gone through months of training to deeply understand these credit reporting issues, using their expertise in credit and housing counseling. They stand ready to help.

Cost of the service

There is a two-part cost:

  1. $125 to verify the precise problem. Consumers face a dizzying array of complex miscoding and other documentation problems. The initial step towards resolution is the diagnosis, the verification of the precise nature of the consumer’s problem.
  2. $300 to resolve the issue and clear the way for the consumer to be approved for a mortgage loan. This process includes comprehensive homebuyer education to ensure the client is best-positioned to enjoy sustainable homeownership for many years to come.

Navicore’s team of housing counselors are amongst the best in the business. Each counselor has obtained special certification in comprehensive consumer finance through the NFCC in addition to the specialized training referenced above.

For help now, contact us at 1-866-702-4557 or housing@navicoresolutions.org.

General Pre-Purchase Counseling

Many potential homeowners report that the process of preparing to buy a home is complex, arduous and sometimes confusing. The purchase of a home is, after all, the most expensive and potentially risky purchase anyone makes in a lifetime.

This reality gave rise to the HUD-approved nonprofit housing counseling and coaching field. There are thousands of HUD approved nonprofit counselors around the country ready to assist potential homeowners in (1) understanding the mortgage process; (2) preparing themselves by reducing debt, establishing savings for a downpayment and improving their credit scores; (3) getting through the closing process more easily and (4) succeeding with homeownership long term.

These counselors can be reached through the HUD interactive voice mail service at 800-569-4287 or at “Find a HUD approved housing counselor.”

Foreclosure Credit Fix Network

Do you know if your past short sale, modification, deed-in-lieu or excessive mortgage late payments will show up as a foreclosure and cause you problems when getting a new mortgage?

Check the map below for local National Foundation for Consumer Credit (NFCC) and HUD approved housing counseling agencies who can assist you to check your credit and then submit your file into the Fannie Mae system for results. If there are problems, counselors will be able to assist with corrections so that you can be  “mortgage ready” when you are eligible for a mortgage again.

If you are a realtor. lender or credit reporting agency that would like to be a referring partner of affected clients, you are welcome to be part of this network as well.

After services to assist in correcting credit are applied, you can proceed to your local realtor, lender and loan originator  for a new mortgage when eligible again.

Foreclosure Credit Fix Network

Loan Originator/Innovative Mortgage Services, Inc., NMLS#250769

Pam Marron, NMLS#246438

Ms. Marron has worked as a loan originator in Florida for 32 years and is well versed in providing conventional, FHA, VA and USDA residential mortgages to consumers. For the last 7 years, Marron’s specialty has been to work with the credit and housing counseling industries on problems that have resulted from the housing crisis. In 2016, Ms. Marron was appointed to the HUD Housing Counseling Federal Advisory Committee.


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Housing Counseling Agency

Housing Counseling Agency

Navicore Solutions provides compassionate counseling solutions to consumers nationwide in the areas of personal finance, consumer credit, student loans, foreclosure prevention and housing.



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National Foundation for Credit Counseling

About Us
The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.


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National Consumer Reporting Association

The National Credit Reporting Association, Inc.(NCRA) is a national trade organization of consumer reporting agencies and associated professionals that provide products and services to hundreds of thousands of credit grantors, employers, landlords and all types of general businesses. NCRA’s membership includes two of every three mortgage credit reporting agencies in the United States that can produce a credit report that meets the requirements of Fannie Mae, Freddie Mac and HUD for mortgage lending. Additionally, our members produce reports for employment screening and tenant screening.


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Loan Originator

Josh Bostic NMLS#1480332

I cover Central Florida.



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Mortgage Broker/Loan Originator

Lisa Lund NMLS# 164243

The Lund Mortgage Team Difference

We’re a family-owned business with roots in the same community we work in. Founded by Stan Lund and now led by Lisa Lund, Lund Mortgage Team is true to its name – a team of people committed to giving each customer the best home loan experience possible. Our commitment to leading edge technology and excellent service means the Lund Team leads the way in the mortgage field.




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