What Happens if I cant Pay My Home Loan-FREE

How to get assistance now
Free tutorial
Rating: 4.4 out of 5 (5 ratings)
1,324 students
31min of on-demand video

What happens if I cant pay my home loan? What to do next.
How to work with your loan servicer to get assistance.
Question to ask your loan servicer to assist you in getting the help you need now.
Resources and links for information to help with you with COVID19.
Understanding your options, deferment, forbearance, and forgiveness.


  • This course is for homeowners


Navigating through the noise of the media, regulators, government programs, social media, friends and family and the latest scam offers.  It is so hard to know what is accurate information, and what assistance is available. We designed this free course  to guide you to getting the assistance you need now. A simple blueprint to decipher what you qualify for and the necessary resource links and tips to get started. We provide questions and insights from people who are in the same situation. We provide Servicer Guidelines. 

Your instructors Shelly Cofini and Amy Sessner want you to get informed,  so you can make informed choices. The course comes with a workbook filled with resources, links and phone numbers. We include actual links to real websites with phone numbers, not scam sites looking to make money off of your hardship.

This course is taught by seasoned professionals in real estate and lending, who have experienced hardships personally, and who learned a lot from the experience and which fueled their desire to assist homeowners in distress.  They hope to provide timely insights and great questions to ask as well as what you can expect, from current programs and loan servicers.

Who this course is for:

  • Homeowners and Real Estate Investors
  • People who own Single Family Residences, Condo's, 1 to 4 family units


Strategist, Speaker and Coach
Shelly Cofini
  • 4.4 Instructor Rating
  • 5 Reviews
  • 1,324 Students
  • 1 Course

A seasoned veteran focused on coaching and business strategy while developing go-to-market paths for disruptive technology in Real Estate and Real Estate Investing.

I am a technology enthusiast, intuitive coach, strategist, and speaker. I actively consult with real estate investment companies by providing go-to-market strategies, acquisition, merger and exit strategies. My colleagues and clients consider me a top-level strategic decision-maker, a collaborative executive team member that is hyper-focused in driving profitability and direction of enterprise.

I love to listen as much as I talk, I ask questions and tell stories with anecdotal life lessons tied to them intended to inspire others to find the humor in the lesson which is paydirt. I've conducted over 1000 workshops, and keynotes.

A graduate of both California Polytechnic State University, earning a Bachelor of Science degree in Organization Development, and the University of Santa Monica, earning a Master of Arts, Spiritual Psychology degree that was totally life altering in so many ways.

My mission is helping people succeed and inspiring others to do so and my intention and delight is to serve people with great discipline, love and grace (sometimes even under fire).

Super Connector, Sales Strategist, Negotiator
Amy Sessner
  • 4.4 Instructor Rating
  • 5 Reviews
  • 1,324 Students
  • 1 Course

Amy is a super connector of people, dynamic and results driven sales strategist with a 34-year record of driving sales in the multiple industries of Mortgage, Servicing, Secondary Markets, Real Estate Finance and Real Estate Transactions. Experienced in luxury sales, distressed short sales and defaulted markets, property management and commercial. Amy brings vast knowledge of negotiations, research, contracts, title, appraisal, compliance and lien negotiations to all transactions. A stickler for research and information making sure all aspects of a property and the transaction are addressed and ensure all parties are kept informed.

A guiding principal in life is that "everything happens for a reason" (Albert Schweitzer) which is so true in so many circumstances from who you run into during your day to how your transaction will play out. Eventually everything will fall into place and until then you can't sweat the small stuff. Your focus is to protect your client and the transaction.

Amy was a member of the #1 team in Berkshire Hathaway Home Services California Properties mentoring agents. Amy and team closed over $250,000.00 million in transactions.

A graduate of Central Michigan University, Bachelor of Science in Liberal Arts and Psychology and Pepperdine University Graziadio School of Business, Masters in Business Administration. When not working Amy enjoys family time with her Husband Jay and Son Hayden Chance in East Side Costa Mesa. Active in Our Lady Queen of Angels Parent Teacher Organization since Hayden was in Kindergarten and raising funds for the Epilepsy Support Network. Free time is spent doing hot yoga, any kind of dance, attending Hayden's Water polo Tournaments and gardening. Amy's passion in helping and connecting people.

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