Julia Vakulenko

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Tampa4U.com

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MLS# U7798013

Under construction. Contact us for more info. Minutes from Pier 60, Pura Vida allows for shopping and dining while maintaining the convenience and seclusion only offered by an exclusive 22-unit building. Each unit comes complete with a washer and...
Visit this property in CLEARWATER BEACH: 15 AVALON ST #8G/804, CLEARWATER BEACH

MLS# T2913074

Classic architecture with 5 bedrooms, 3. 5 baths, den and bonus room. Custom cabinets with stone counter tops, stainless steel, appliances and much more. up to $5k in Closing Costs.
Visit this property in LAND O LAKES: 2660 LAKE MANOR DR DR, LAND O LAKES

MLS# T2924624

Wonderful business opportunity. Sale includes furniture, fixtures & equipment (turn key). Sold as is for sellers convenience. Interested parties are advised to verify.
Visit this property in BRANDON: 907 N TAYLOR RD, BRANDON

MLS# T3194676

Under Construction. The kitchen has a center island and overlooks an open café and family room, which is great for entertaining. The master suite features a large bedroom connected to a bathroom with his and her sinks and a roomy walk-in closet....
Visit this property in APOLLO BEACH: 5025 WHITE CHICORY DR, APOLLO BEACH


Tampa4U.com

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