Forbearance, Loan Modifications & Short Sales: Real Help

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When financial hardship hits, you need clarity—not confusion. At Pace Probity Asset Management, we help East Tennessee homeowners explore viable options like forbearance, loan modifications, and short sales—before foreclosure becomes a reality. 

I’m Christy Cj Pace, Owner and Principal Broker of Pace Probity Asset Management, and the Master Broker of Tennessee for the National REO Brokers Association (NRBA). Through my active involvement with NRBA, I stay connected with a national network of seasoned professionals, and I bring that knowledge and collaboration directly to the clients I serve. I’ve worked hands-on with homeowners facing complex, high-stakes situations, guiding them with clarity, precision, and empathy. 

Forbearance allows you to pause or reduce your mortgage payments due to a short-term hardship. It's a common first step toward stability—but remember, it’s not debt forgiveness. Lenders typically require repayment plans once forbearance ends.

➡ Learn more: Behind on Your Mortgage? – NRBA

A loan modification can adjust your existing mortgage terms—such as extending the loan, reducing the interest rate, or lowering the monthly payment—to better match your current financial situation.

➡ See how HUD-certified support can help: Trained Housing Counselors – NRBA

A short sale allows you to sell your home for less than what’s owed, with lender approval. This can help you avoid foreclosure, reduce financial pressure, and potentially shorten the time before you can buy again.

➡ Learn more about the process: Navigating Foreclosure – NRBA

Even after foreclosure, there are ways to recover financially and rebuild. It’s important to understand your rights and the timeline for future homeownership.

➡ Explore next steps: What Happens After Foreclosure – NRBA

As Owner and Principal Broker of PPAM and NRBA’s Master Broker for Tennessee, I combine national insight with deep local knowledge. I stay in constant communication with a core group of foreclosure and asset management professionals across the country and apply that collective wisdom to each unique client situation.

In Tennessee—a non-judicial foreclosure state—timing is critical. Foreclosure actions can begin after as few as 120 days of missed payments, so early action gives you more and better options.

🔧 What We Provide

1. Free Confidential Consultation
2. Connections to HUD-Certified Housing Counselors
3. Help Preparing Documents – Hardship letters, lender communication, financials
4. Strategic Planning – Whether forbearance, loan modification, short sale, or deed-in-lieu
5. Follow-Through and Support – We're with you at every step

✅ Get Started Today

📞 Call 865‑357‑1537
📩 Email cjpace@ppam.realestate
📅 Schedule your no-cost consultation

• Behind on Your Mortgage?
• Navigating Foreclosure
• What Happens After Foreclosure?
• HUD Housing Counselors