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Avoid Foreclosure and Keep Your Home With These Tips!
Being in jeopardy of losing your home, can cause unsettling problems for those that have families depending on them. The worst feeling is explaining to someone you love the reason why you have to move. The look in their eyes is enough to shatter the toughest out there. Sometimes it’s too late to tell them because either some mail came that gives it away, like those letters from bankruptcy attorneys, real estate agents and investors. It is a heart breaking feel.
So that is why I put together this little piece of information to get you to thinking about the different alternatives you have without waiting to the last minute. These tips will get you know the fast track to figure the best way to keep your house or you will be able to provide advice to one of your family members or friends.
Before you do anything, you need to contact the local Hud department in your area because they provide free counselling that puts homeowners on budgets and explain different programs that might be available like the HOPE program. You can find the local Hud department by looking in the Blue pages of your phone book.
Second is to call your lender to find out what all paperwork is needed to help you keep your house. From my experience it’s best to start preparing the information they need because most lenders process system is old school and can sometimes take up to weeks to get the paperwork needed. So don’t delay.
Depending on your credit score once you get all the paperwork back to the lender you can qualify to renegotiate the terms of your loan, or pay a down payment and let the lender add the balance to the back of your loan.
If your credit score is decent because you know that you are two months behind or might be two months behind, you started the paperwork early. Lenders will usually rework the terms of your loan by adding your payments into the loan, but your credit still has to be in good shape. This method will bring you back to current status.
Now if you were late on a few other bills or end up behind 3 months then you might have to settle for either paying the delinquent balance in full or make a down payment. If you make a partial down payment, from my experience the lender will put the remaining balance on the back of the loan. Since that balance is on the back of the loan you will still be considered late usually until you have made a few payments on time. Showing up as late on your credit is not a good thing, but it is a lot better than having a foreclosure or filing bankruptcy.
After a few on time payments the lender will bring you back to current status and a good 1-2 years will bring your credit score back up.
Last tip if you do happen to fall behind on a few payments it best to have your credit pulled and see if they will let you add a note to why you were late on the payments. This documentation along with timely payments should help your credit in the long run instead of letting it sit there and waiting for someone to pull your credit and ask you what happen. Disclose the information upfront if the bureaus will allow it.
I did not mention anything about bankruptcy, or refinancing because that is something I am sure you know something about or can contact a professional to help you through those steps.
Going through these tips a few times will prepare you for the road ahead of if you find yourself behind on your mortgage payments. I know for myself that if you start as early in the process, you can come out ahead of the game. Lenders will love you it, and will work harder to get the problem behind you.
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