real estate foreclosure Archives

Can a loan modification help me?

Financial hardship can quickly derail your dream of owning a home. In this case, a loan modification might be a good option for you. Modifying your current mortgage can help you keep up with payments while also preventing the foreclosure process from occurring. If you're concerned about your ability to continue making payments on time, offers the following information. 

What is a deed lieu of foreclosure agreement?

If you are behind on your mortgage payments, you may wonder if you have any options to improve your financial situation. Defaulting on your mortgage may lead to a foreclosure, forcing you to leave your home and adding negative information to your credit history. While you may be able to avoid foreclosure through mortgage modification or bankruptcy, sometimes those options are not possible. Another thing you may want to consider is a deed in lieu of foreclosure agreement. This option is legal in Georgia, but you must get your lender to approve it.

What is the foreclosure process in Georgia?

If you own a home in Georgia and find yourself having trouble with the payments, you may enter the foreclosure process. Without a solid understanding of how this process works, you may deal with extensive stress and anxiety as you face the possibility of losing your house. According to RealtyTrac, 1 in every 2091 homeowners in Georgia will foreclose on their homes, some going to auction and others ending as bank-owned properties.

Can a mortgage modification stop my foreclosure?

Falling behind on your mortgage is never a good thing. The bank moves rather quickly to begin foreclosure proceedings. You are best off trying to find a way to avoid missing a payment and entering foreclosure. It is easier to deal with the issue before it becomes a problem as this shows your willingness to work with your lender to find a solution that will avoid having to take things through the Georgia courts.

What should I know about foreclosure scams?

Homeowners in Georgia are willing to do almost anything to avoid foreclosure. This leaves them vulnerable to foreclosure relief scams, which make incredible promises like helping homeowners keep their homes or lower their mortgage payments. PennyMac offers the following information on common scams so you can take the proper steps to avoid them.

What could cause you to go bankrupt?

Managing personal finances can be frustrating at times when unexpected expenses come up that leave you scrambling to pay your bills. Chances are, you have heard of other people in Georgia who have had to go to extreme measures to survive circumstances that have left them struggling to reassess their finances. Understanding issues that could cause you to have to file for bankruptcy may help you to make wiser financial decisions to avoid having to make that decision. 

How can you recover from going through a foreclosure?

Despite your efforts to keep your home in Georgia, it went into foreclosure and left you reeling with the stress of the situation. Now, you are looking for ways to recover your situation as you work toward rebuilding your financial foundation and regaining the confidence of being able to manage your money effectively. 

What should I do if faced with a foreclosure?

If you’re facing a foreclosure in Georgia, you’re probably quite worried about the prospect of using your home. While foreclosure may be inevitable in some cases, taking the right steps can mitigate the process or even prevent it for some homeowners. Forbes explains what you should do if foreclosure is a possibility.

What can I do if I can’t pay my mortgage?

Coming to the realization that you won’t be able to pay your mortgage is a sobering feeling. When you’re unable to keep up with monthly payments you face the risk of losing the house you worked so hard for, as well as incurring financial ramifications that could last for years. Business Insider explains the following steps you can take if you’re no longer able to pay your mortgage.

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