Featured properties: See ALL
APOLLO BEACH, FL
Newest listings
MLS# T3468613
Every detail in this home has been meticulously
considered and elevated with upgrades. Designer lighting fixtures and ceiling fans add a touch
of elegance. Upgraded ceramic tile graces the floors, while 8-ft doors and 10-ft ceilings adorned...
Visit this property in BRANDON:
935 HERITAGE GROVES DRIVE, BRANDON FL 33510
MLS# U8211565
After parking right in front of the unit, enter the private courtyard which is the perfect setting for grilling, enjoying your morning coffee, or relaxing in the sunshine. After entry into the foyer, you will find an open plan and split bedrooms....
Visit this property in PALM HARBOR:
1903 LENNOX ROAD E # 1903, PALM HARBOR FL 34683
MLS# T3469101
The kitchen is a chef's delight with its brand-new stainless steel appliances, perfect for whipping up culinary delights. As you explore the expansive backyard, you'll find endless possibilities for outdoor activities – from gardening to hosting...
Visit this property in DADE CITY:
13429 RIADA WAY, DADE CITY FL 33525
MLS# T3466298
Hunter Douglas ceiling fans and two spacious 6' x 14' terraces with water views. Brand new energy-efficient, hurricane-impact sliding glass doors. The water heater is about a year old. The primary bath features a granite counter.
Visit this property in TAMPA:
5700 MARINER STREET # 504B, TAMPA FL 33609
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: [email protected]