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A Foreclosure is a legal procedure initiated by a lender to take ownership of a property when a borrower has failed to make payments for a debt that is secured by that property. Florida follows judicial Foreclosure action. Pre-foreclosures represent properties whose owners are in default of their mortgage obligation but who still retain title to their properties. Owners of properties that are in Pre-foreclosure may be able to save their home from the foreclosure process.
Have you defaulted due to financial difficulties or the inability to keep up with the mortgage payments? Have you had a notice of default filed against you? Talk about a dilemma: Can’t afford to stay in your home and can’t afford to sell it. Begin by aligning yourself with a trusted professional who has the knowledge and integrity to determine the best solution for you and is committed to seeing you through every step of the way. As anyone with an unaffordable, underwater mortgage knows, the situation is complicated and the stakes are high.
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A Short Sale is when a home owner sells their home at a price below the remaining mortgage value. This is because the home owner is “underwater”. In other words, more is owed on the home than what it is worth. Since the mortgage lender has to take a loss in a Short Sale, the lender’s approval of the sale price is necessary.
The prospect of losing one’s home is right up there among the major sources of grief, and often, it goes hand in hand with other tragic setbacks such as the loss of a job, a divorce, death of a loved one, mounting medical bills or skyrocketing mortgage payments.
Unfortunately, the first stage of grief is denial, and that’s even more the case when the threat of foreclosure is looming. No one wants to talk about or admit financial troubles—even when millions of others have found themselves in a similar spot. It’s completely understandable, but for homeowners who are behind on mortgage payments, decisive action is often the most critical step toward ensuring the best possible solution. To learn more Click Here.
Loan modification is an option for many and banks are increasingly willing to negotiate short sales. In many cases, they’re offering sizable financial incentives to help financially strapped homeowners to get a fresh start on their lives. It is our mission to give homeowners the gift of a fresh start. We can help. To learn more Click Here.