Through this service clients are assisted with mortgage default stemming from a challenged economic climate, job loss, underemployment, illness, divorce and other contributing factors.

Trained counselors work diligently to bring favorable resolutions and outcomes in all situations.



Contact Totally Free Inc. to set up an appointment for a Foreclosure Prevention session.
We will conduct an initial assessment to prequalify you for the session.
BRUNSWICK OFFICE: (912) 265-1515


What is Loss Mitigation?

Process used by mortgage lenders to work with buyers who are delinquent on their loans.

What is a Loss Mitigation Specialist?

Loss mitigation specialists work to negotiate mortgage terms for homeowners that will prevent or resolve default and foreclosure crisis.

What Kind of Loss Mitigation Services Do You Offer?

Loan Modification /Short Sale /Refinance /Cash-for-Keys /Special Forbearance /Partial Claim Lower interest/ Principal Reduction/More.

Homeowner Benefits?

Among benefits are working with an experienced staff to navigate through the complex process for foreclosure prevention, reduced interest rates, reduced payments and principal reduction.

When was Totally Free, Inc. established?

Totally Free, Inc. is a Default Counseling Certified and HUD backed non-profit organization in operation since July 2001.

What are the fees associated with Loss Mitigation Services

Since establishing a trusted network of intermediates over the past 15 years Totally Free, Inc has helped thousands save their homes and resolve delinquencies on mortgages at no cost… Consumers should be wary of any organization that request fees for loss mitigation services.

How long will it take?

Although every case is different early contact is key in resolving homeowner delinquency issues. Once a homeowner is contacted we begin working to assist immediately.

Do I have to travel to an office to begin counseling?

No, we have several options for those who wish to tackle their loss mitigation matters. You may elect services via email, telecommunications or by mail.

What are some of the outcomes from previous clients?

Delinquencies resolved, payments lowered, interest rates reduced, principal (loan balance) reduced, mortgage payment assistance, more.

How do I get started?

The first step is to contact Totally Free Inc. to complete an Intake Packet. Submit to Totally Free, Inc your mortgage statement and proof of income and schedule your appointment today!


If you have any questions or require assistance, please contact us at the telephone numbers or the address shown above. We’ll be very happy to assist you.