How it works


Four steps from your first call to your Homeowner Research Document. Nothing starts until you have agreed to the scope in writing.

Four steps to your Homeowner Research Document


  1. Tell us what you have

    Call 516-499-1731, or fill in the intake form. Tell us about your property and the papers you have received. You do not need to know legal terms. If you have a court date or a sale date, say so first.

  2. Send copies of your papers

    Send copies or clear photographs. Never send originals. The list below shows what helps most.

  3. We confirm the scope, then research

    We confirm in writing what your document will cover. Then we pull every filing on your property from the court’s docket and the county clerk’s records. We connect them: who held your loan and when, each transfer and assignment, and which filing answers which.

    If you are facing foreclosure, we also study the company suing you, the decisions your judge has published, and cases like yours in the same court. We count what repeats and show where your case sits among them.

  4. You get your Homeowner Research Document

    Every filing is dated, sourced and connected, with the numbers behind it and the records of homes like yours set beside your own. We call you and go through it at whatever pace you need, and you can ask us to repeat anything.

    After that, we alert you when the public record for your property changes. If you need a licensed attorney and do not have one, we can coordinate a referral.

What to send us


  • The summons and complaint (the papers that started the court case)
  • Any judgment of foreclosure and sale
  • Any referee report (a person the court appoints for a specific task)
  • Any notice of sale
  • Your mortgage or deed of trust, and your note
  • Any assignments of mortgage (the papers showing who owns your loan now)
  • Any notice or letter you were sent before the court case started
  • Prior court filings and any court orders
  • Recent letters and statements from your servicer
  • Any loan modification application or denial

Photograph every page, including the back of any page with printing, and the envelope if you have it. The postmark can matter.

If you have none of that, call anyway. Sometimes one letter is enough to tell us what stage things are at.

If a court date, sale date or deadline is within 14 days, call 516-499-1731 instead of using the intake form.

Your papers stay private. We use what you send only for your research. We never sell your information or share your file with lenders, servicers or investors. If you ask us to coordinate a referral, we tell you what we plan to share and send it only with your permission. See our Privacy Policy.

Talk to a person.


Call 516-499-1731, Monday through Friday, 9:00 AM to 6:00 PM. Saturday appointments are available on request. If we are with another client, leave a message with your name, your phone number, and the county your property is in, and we will call you back.

516-499-1731

Office hours
Monday to Friday9:00 AM to 6:00 PM
SaturdayBy appointment only
SundayClosed

Free help is also available.

You do not have to pay anyone for help with a foreclosure. HUD-approved housing counseling agencies give free counseling nationwide. Call 1-800-569-4287 or visit hud.gov. Many states and counties also run free foreclosure prevention programs. We want you to know about them, whether or not you ever hire us.

If you have a sale date or a court date coming up, call a licensed attorney today.

We are not a law firm.

Prime Real Estate Consultants is a property research and consulting business. We do not practice law or represent anyone, and nothing on this site is legal, tax or financial advice. Contacting us or buying a service does not create an attorney-client relationship.