National Housing & Financial Services

Stop Foreclosure! Loan Modification! Forbearance! Repayment Plans! Refinance!

Helping families keep their homes!


Phone 952-451-7334
Fax 763-657-1600

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Hello, my name is Al Smith. I have been a liaison for families trying to restructure their lives for over 13 years. Over the past years I have educated homeowners with alternatives to foreclosure, which have included loan modification, forbearance plans and repayment plans. My mission is to be an advocate for homeowners and to empower them to save their home. I am committed to providing the best and most ethical foreclosure prevention and loan modification service.



Whether you need to refinance your mortgage or restructure (loan modification) your home loan, I can provide you with a complete financial analysis to determine if you qualify for refinance or loan modification.

There are still options if you are facing foreclosure. National Housing and Financial Services is here to help you keep your home. Please give us a call immediatley so we will have as much time as possible to work with your lender.

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What we do….

Complete a financial analysis of your situation

Prepare a case to present to your lender

Help you create an effective hardship letter

Prepare a property value report

Present your package to your lender

Negotiate a new lower payment

Provide a modification agreement

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