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There are a variety of options during what is called the “pre-filing” stage of foreclosure: repayment plan, reinstatement plan, and loan modification. Continue reading
When you are behind a few months on your mortgage payment, the worst thing you can do is not communicate with the lender Continue reading
It is usually the last resort, but filing a Chapter 13 or Chapter 7 bankruptcy can allow you to possibly keep your home. Continue reading
One of the best ways to get the lender to come to the table and start talking with you again is to request court mediation. Continue reading
The Home Affordable Modification Program (HAMP) is a federal program that offers loan modifications that can lower your interest rate, lower your payments, and help you keep your home and avoid foreclosure. Continue reading
A Short Sale is when you have found a buyer for your home, but the price is not enough to pay off the lender and all other creditors/lienholders on the title. Continue reading
A Deed in Lieu is when you decide NOT to keep the house and the lender has agreed to accept it back from you as full payment on the loan. Continue reading
With a Forbearance Agreement, the foreclosure case is NOT dismissed. Rather, the lender and you sign off that the case will not be moved forward to foreclosure if you make payments on time, pay down the back payments, and start making the future monthly payments on time. Continue reading
In a Reinstatement Plan, the foreclosure case is dismissed and you borrow the money to make up the back payments completely and have the income to make the future payments going forward. Continue reading
With a payment plan, you and the lender agree that you will keep making your monthly payments going forward, but you also agree that you can afford to make additional payments each month toward your back payments and get caught up in an agreed-upon time frame. Continue reading