Julia Vakulenko

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MLS# U7844855

Rare opportunity in the area of Belcher and Harn roads in Clearwater. Separate dining room, and lots of eat in space at the kitchen island. Walking distance to Oak Grove Middle. Move right in, redevelop, or a combination thereof.
Visit this property in CLEARWATER: 1276 S BELCHER RD, CLEARWATER

MLS# U7830869

Bermuda Bay Beach and Racquetball Club is a Gated Waterfront Condominium Community located in Southern Pinellas County on Boca Ciega Bay. This Affordable Community is located close to the Interstate, Beaches, Shopping, Restaurants, Parks, Ft...
Visit this property in ST PETERSBURG: 3697 42ND WAY S #F, ST PETERSBURG

MLS# T2934215

Under Construction. *Recent price improvement* This home was listed prior to submitting for building permit. Live close to Bayshore Blvd. Pete, plenty of parks, and the MacDill Airforce Base.
Visit this property in TAMPA: 3614 W BAY AVE, TAMPA

MLS# T3195378

Under Construction. Check out this Brand new Estate home in gorgeous north Brandon. This 5 bedroom 4. This single story home features granite countertops in all wet areas, stainless steel appliances, indoor laundry room with built in cabinetry and...
Visit this property in BRANDON: 201 MAJESTIC SUNDOWN CT, BRANDON


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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