Julia Vakulenko

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MLS# U8025519

Whether you looking for the benefits of a centralized and highly valued location, highly rated schools, community with resort style amenities or all of the above, please look no further. You are already home. Call and schedule a showing today....
Visit this property in TAMPA: 14620 MIRABELLE VISTA CIR, TAMPA

MLS# U8025498

This luxury residence has all the comforts and is in pristine conditions. The open design flows from the grant entrance to the formal living room and dining room to the family room with dining space. The mature landscaping, the circular driveway...
Visit this property in CLEARWATER: 430 JASMINE WAY, CLEARWATER

MLS# U8023054

Location. The lovely home is convenient to everything: shops, restaurants, cinema, groceries, schools, churches, hospitals, highway, airport. The property features 3 bedrooms and 2 bathrooms, a split open floor plan provides privacy for both...
Visit this property in TAMPA: 5012 COUNTRY HILLS DR, TAMPA

MLS# U8025516

You will notice all doors and windows here are hurricane impact and allow natural lighting to flow throughout. Granite counter tops are atop wood cabinetry that is custom fit to this space, perfectly utilizing every area- something you truly must...
Visit this property in SEMINOLE: 7955 BAYSHORE DR, SEMINOLE


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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