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People don't stop paying their mortgage because they don't want to pay, but rather because of factors that afflict everyone at some point in time. Knowing why the owner is losing their home can help you connect with them and gain their trust.

Three Main Reasons People Lose Their Homes Job Loss - Due to economic conditions employers are having to release great employees because of many factors and people do not have the reserves to withstand many months without a paycheck. More importantly, although some are getting employment within a few months, the pay rate is substantially less.

Divorce - In 1999-2000 this was the leading contributor to the foreclosure rate. Since 2001, the rate has not decreased but job loss has doubled in some parts of the country.

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