Typically there are four options available to a home owner in distress:

1) Loan Modification: In certain circumstances, an investor may allow us to add the delinquent amount to your loan balance or temporarily reduce the interest rate and occasionally your principal amount to assist you in curing the default and restoring your credit status.

2) Forbearance/Form al Forbearance: A Forbearance Plan is a repayment agreement between you and your lender. We will review documentation supporting your monthly income and expenses. We will develop a plan and place a proposal in writing providing for payment of one full monthly payment and a portion of the delinquent amount due on your account. The objective of the plan is to allow you to cure your default over a period of time, reinstating your mortgage, while allowing you to maintain your normal monthly living expenses.

3) Short Sale: Home & Real Estate Services frequently works with homeowners who due to a change in employment or other life event(s), can no longer afford their home. The decision to sell your home under these circumstances is difficult; in addition, fluctuation in real estate markets may leave you in a situation where you have little or no equity - or even a loss upon the sale of your home.  A short-sale occurs when you owe more than your home is worth. Home & Real Estate Services may -- with permission from the investor -- assist in the sale of your home under these circumstances in which the investor (mortgage holder) agrees to accept net sales proceeds as full payoff. Investor approval is based upon your financial situation and the current market value of your home among other factors. This is never our goal.

4) Deed in Lieu of Foreclosure: In the event you have decided you can no longer afford your home and do not want to go through marketing efforts or foreclosure, you may voluntarily return the property to the investor.

 


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