Julia Vakulenko

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  • $289,000
  • 2 Beds
  • 2 Baths
  • 1,966 Sq.Ft.

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MLS# U7800231

Located in the heart of a gated community in a well-kept hirise building with extensive amenities (pool, spa, sauna, meeting space, exercise room, under building assigned parking, 24-hour secure guarded gate, etc). This condo is clean and ready...
Visit this property in GULFPORT: 5940 PELICAN BAY PLZ S #203, GULFPORT

MLS# U7800211

Home totally updated within the last 3 years. Both baths have granite countertops and custom tile work. GE stove 1 year old and Maytag microwave is 3 years old. Recently tiled countertops with matching table and chairs.

MLS# U7800219

The freshly mulched driveway and landscaped yard give this home great curb appeal. The large front porch adds character to the front of the home making it very inviting. Off of the kitchen is a screened in lanai with washer/dryer hookups. This...
Visit this property in TAMPA: 9618 CONNECHUSETT RD N, TAMPA

MLS# A4171198

The kitchen is maple cabinet, the whole Central AC with heat pump and new ducts work has been installed, the electrical control panel has been upgrade to $200a. House also has private fence and the back of the lot is wooded city land. It is...
Visit this property in SARASOTA: 176 HOOSIER PL, SARASOTA


Alternatives to Forclosure
Escape Foreclosure! (Foreclosure Options)

If you have experienced increased expenses, reduced income, or other hardship and are having trouble making your mortgage payment, you are not necessarily doomed to the devastation of foreclosure. Here are six options you may have to keep your house, if you cannot make your current mortgage payments, are about to default on your mortgage, or feel like you are going into “pre-foreclosure” status:

1. Refinance: You simply get a new mortgage loan and pay off your old (unaffordable) loan with the new one.

2. Repayment Plan: You work with your lender on structuring a repayment plan you can live with – one that lets you catch up on your missed payments by paying more than one full payment per month until you are current on your mortgage.

3. Forbearance Program: You work with your lender to delay or to suspend all (or a part) of your normal monthly payment for an agreed-upon period of time. You may roll the “suspended” payments into the existing mortgage loan, or you may make those payments as part of a repayment plan or loan modification, as agreed between you and your bank(s).

4. Loan Modification: You work with your lender to change the original terms of your mortgage loan. You may be able to change your interest rate, the duration of the loan, or the amount of the loan (adjusted by the amount that you are behind in paying).

5. Short Refinance: You work with your lender to obtain an adjustment or “forgiveness” of the actual principal portion of the balance. This may be used with Forbearance and Repayment Plans.

6. Bankruptcy: You may change your original terms of your mortgage loan as part of a bankruptcy filing, order, reorganization, or repayment plan.

All of these methods require you to be able to make a payment that the Bank agrees with and to make it on-time every month.

If you have encountered a hardship, income reduction, or increase in expenses that prohibits you from participating successfully in any of these programs or that will simply delay the inevitability of foreclosure because you’re actually unable to make acceptable payments, even under modification or other attempt to adjust your mortgage burden, you may need to consider a Short Sale to escape foreclosure and its devastating effects on your life.

For more information on what a Short Sale is and how it can help you, please feel free to call 813-671-6657 for a free consultation or email: info@tampa4u.com