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Should I sell my home to avoid foreclosure?
What do you do when you can't make your mortgage payments anymore? The first thing you will probably think about is to try to sell your home to avoid foreclosure. Selling your home could be a good solution, but on this market (buyer's market) it can take months before you sell your home and chances are you won't be able to avoid foreclosure due to the procedures time frames. So, what to do? The first thing you need to do is to remain calm. There are different ways how your real estate professional can help you avoid an undesirable foreclosure. First, you must honestly explain your situation, so I can understand your case. Then you need to provide the necessary documentation and information about your case so I have all the tools to study your case and see how I can help you out. Second, you need to give me authorization to negotiate with your lender on your behalf. Once these simply procedures are completed. I will be able to find the best possible solution that you qualify for. Lenders don't like foreclosures, in most cases because of the high cost of it. So in many cases they will offer alternatives to the borrowers who qualify. For example, your real estate professional can give you advise on how to negotiate a "forbearance agreement" with your lender where payments are either reduced or suspended for a period of time until you resolve your problem Other way is to obtain a "loan modification" where the terms of your loan are changed in your favor if you qualify (usually when there's enough equity in your home). In cases where there is no equity, the best way to avoid foreclosure is a type of negotiation called "short sale" .This would be the last alternative only if you were not able to qualify for other options. In this case you will sell your home but at least you will avoid foreclosure. Also, other possible solution is to convince the lender to discharge the debt after a change in title called "deed-in lieu of foreclosure' Which is much better that a real foreclosure itself. There are more possible ways to save your home, but this needs to be discussed in person, since each case is different and you may or may not qualify for one or more of these procedures. Please contact me as soon as possible, specially if you have a one of those 100% loans on your home that you can't pay anymore or if you are in a "negative amortization program" since as time goes by and house prices keep dropping, you'll continue losing equity and it will be more difficult to avoid foreclosure. You must act now if you are in this situation! Please remember that I'm here to help and my promise to you is that I will put your interest first and I will work hard to try to help you avoid an undesirable foreclosure. Please contact me at 909-921-4206. Thank You! CG
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"WE WILL SELL YOUR HOUSE OR ERA WILL BUY IT! This is the perfect plan if you "must" sell your home in a determined time frame. ~~~~~~~~~~~~~~~~~~~~ |
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| "We will sell your house or ERA will buy it" |
| How to avoid Foreclosure. |
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