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iam frm india and going for a masters degree in US, iam not taking a accomadation that the uni is providing, so pls tell me detailes the cost of living
the house
studio
guest ... |
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Jennifer D | How can I save my home? |
My home was foreclosed on in Sept. My redemption is up in April. My credit is severely bruised. How can I save my home?
Additional Details
How can I find investors willing to help or purchase and allow me to buy back. The mortgage company is totally unwilling to work with me. |
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Mr. G
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Play the lottery and hope for the best!!! |
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Mike N
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If your able to pay your payments or a slightly reduced payment your mortgage company may work something out with you depending on your situation. Contact them immediately, You may get a loan modification or a forebearance. |
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baconshmals
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There are a couple of things you could do in this situation. The one I suggest first is to attempt to refinance your home with a mortgage broker. Brokers tend to work with many lenders and sometimes have some that will be able and willing to work with you.
There are several things besides a bruised credit report that might hinder you though... the value of your home versus the amount of your current loan, including payoffs and late fees... employment history... income... these are just a few.
If this is the case, and you can't get a loan, then my suggestion is to file for bankruptcy. Though this will hurt your credit and your current lifestyle, in the short term it may save your home. In the long term, you may have trouble getting another loan for at least 2 years, and up to 7.
I wish you the best of luck. If you want to discuss this some more in detail, contact me by email, or check out our website.
Baconshmals@yahoo.com
http://aapexfund.com |
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phorwanted
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If your lender has not held the "sale" bankruptcy is usually your best option. Get an attorney and have him state you want to keep your home. You will have to make up any back payments and stay current on the new ones.
Everyone has to live somewhere and if your loan payment for your home is within your projected budget you can keep it. If you have lots of equity in it some banks don't want to deal with you and will only come around through a court order. Another option if you have equity is to sell it so you get something out of it. |
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Alex - California
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Pretty difficult unless you have money to redeem it which would require family or friends that believe in you. If you can come up with the money, make sure you have at least another 6 months of reserves on top of this or you will be in the same situation once you redeem your home.
Normally, the best time to seek all your options is when you first get the notice of default statement from your lender, that is when you still have time to cure the loan. |
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ChrisC
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Most banks that I deal with for Foreclosure Buyouts will only do 65% loan to value. There are other factors involved with getting it done such as income, credit score, other debts, etc.
How old are you? If you are 62 or older, you may consider a reverse mortgage.
Feel free to call me if you want to give more specifics about the situation, picking my brain costs you nothing! |
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loanman46
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Email me for investor contact info. I have handled these in the past successfully in multiple states. There are some issues but an email conversation will give me enough information to make a determination whether it is possible or not.
Here is some other info that may help as well. |
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Skip
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All the information you have gotten has been excellent. You stated you had talked to your bank, who at the bank have you spsoken with.
Please tell me it is not the $6.35 clerk that answers the phone or the $10.15 manager, they are not the decision makers you are looking for. You have to be very assertikve, ask to speak to the department head of the Loss Mitigations Department, like one of the other guys said see if you can get a forebearance agreement.
This is like getting a 2nd mortgage tacked on to your already 1st mortgage. This will entitle the bank to add your back payments to include any fees they have had to go through trying to collect the mortgage payments you owe.
Now you might be required tro come up with one months mortgage payment to do this. You will also in addition to making your regular monthly mortagage payment be required to make a payment on your new second mortgage.
Now none of this will happen ujnless the ciorcumstances have changed that caused the foreclosure in the first place.
Like a family emergency is over, you are back to work if you have been laid off or fired. Your wife has been rehired after being laid off or fired. So make sure that the circumstances have changed.
The mortgage company will check by calling your old or new employer for information to verify that you can make the payments
If the circumstances have not changed, one or more of the guys indicatred and I agree you should put this house on the market immediately and fight another battle another day.
Look at it like this sometimes we are the eagle and can soar high in the sky then sometimes our wings are clipped. Let your wings grow again so you can soar once more.
I hope this has been of some use to you, good luck.
"FIGHT ON" |
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capnemo
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See if you can find an investor that will pay off the mortgage for you and sell it to you on a contract. He'll own the home until you've paid for it so he is secured by the home itself. |
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Laissez-Faire Guy
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Work with your lender directly. Can you make any payments at all? Even less than the full amount? Get on the phone if you already haven't. It's a little late but give it a try. The lender does not want to take your home back. They are in the business of lending money, not foreclosing on homes and re-selling them. They will often try to work something out with you. But the fact that it's already been foreclosed on may indicate they've given up.
If the home has accumulated equity and is worth more than the mortgage, you may just be better of selling it and taking whatever proceeds you can get. If not, it may be in your best interests to let them take it back, although it will screw your credit.
If you end up having to walk away in April, try hoarding as much cash as you can so you can get a rental afterwards. Your poor credit score will hurt, but it helps if you can offer a bigger security deposit.
Good luck. |
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bcauble1
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There are avenues you can use in this case. Number one put your home on the market immediately. Even though you may not want to sell your home, if you do sell it you will most likely have equity in the property. Use this equity to get yourself in a new living situation for the time being. Take the rest of the equity to pay any outstanding debt you may have. Get your credit back into decent shape. You absolutely do not want a foreclosure on your bureau, this will make it hard to purchase even a vehicle much less a home down the line. Within a year you will be back in swing and with a paid mortgage and the other debt you resolved you will be able to purchase a new home. It will be an unfortunate road to travel but the most important thing is at the end within a year or two you will be able to purchase a new home for you and your family. I wish you the best and hope this helps you out. Feel free to e-mail me if you any questions...bcauble1@yahoo.com |
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