Julia Vakulenko

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MLS# A4215892

Don't miss out on this charming old Florida home, located right in the heart of historic West Palmetto. Walking distance to restaurants, parks, and entertainment. Easy commute to both St. Pete/Tampa and Sarasota/Bradenton.
Visit this property in PALMETTO: 614 15TH AVE W, PALMETTO

MLS# T2939504

Tiled in main areas with carpet in bedrooms. Includes Blinds, Refrigerater, Range. Master features walk-in closet. Community offers Pool, Clubhouse, & Tennis Court & is conveniently located along Hillsborough River near Brandon/Temple Terrace.
Visit this property in TAMPA: 4885 PURITAN CIR #4885, TAMPA

MLS# U7854231

Central open Living/Dining Room combination as well as a SunRoom that could easily accommodate visiting guests. Spacious Master Bedroom and nicely updated bathroom. New ceramic tile floors throughout the entire condo. Condo complex is only one...
Visit this property in ST PETE BEACH: 7050 SUNSET WAY #11, ST PETE BEACH

MLS# U7854651

Beautifully updated 2 bedroom, 2 bath, 1 car garage villa located in delightful Dunedin. Ready for you to enjoy all new double-pane hurricane rated windows, updated kitchen with granite counter tops, new tile flooring, updated bathrooms and an A/C...
Visit this property in DUNEDIN: 1510 KING DR, DUNEDIN


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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