AVOIDING FORECLOSURE
Filed under Blog, Loan Modification, Stopping Foreclosure/ Loan Mods · Tagged:
Avoiding Foreclosure
If you are having difficulty paying your mortgage on time or know you will have difficulty in the near future, call your lender! It’s important to act now before you get so far behind in your payments you end up facing foreclosure.
There are options available that may allow you to save your home. But the longer you wait the fewer options are available. Remember, your biggest ally if you encounter difficulty paying your mortgage on time is often your lender.
Your lender – also called the servicer – has a variety of options to help you stay in or sell your home. These options include:
The President’s Making Home Affordable Plan
Refinance
Forbearance
Repayment plans
Loan modifications
You can find your lender’s contact information on your mortgage statement or coupon book. But,
your lender can only help you avoid foreclosure if you contact them.
If your lender has called or mailed you documents, do not ignore them. Your lender is trying to help you. When you contact your lender early, there is a greater chance your lender can help you stay in your home, or at least help you avoid foreclosure while you try to sell your home.
Are You Facing Foreclosure?
There are resources available to help you protect your home.
Attend a Foreclosure Prevention Workshop in Your Area
Where to Get Help
Working With Your Lender
Identifying a Credit Counselor
Special Circumstances to Stop Foreclosure
How to Rebuild After a Foreclosure
Help for Homeowners
Please use the self-assessment tools provided on MakingHomeAffordable.gov to see if you are among the millions of homeowners who may be able to benefit from Making Home Affordable.
Your next step: Preparing for the conversation with your lender.
If you need help with a consultant to help you sort this out please call me at 209-962-0263 or send an email maryann@homeloans
writing from Groveland, Ca. .
MaryAnn Sumaraga
Loan Officer/ 26 years experience
California Real Estate Licensee 01142046
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About Me
As a true Finance Professional Maryann has over 26 years experience and has dealt with every aspect of the Real estate and Mortgage industry. Maryann has the expertise that you need.
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