Julia Vakulenko

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  • $259,000
  • 2 Beds
  • 2 Baths
  • 1,966 Sq.Ft.

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Newest listings

MLS# T2878122

Come see this beautifully updated Sunrise II model before it’s gone. Come enjoy the condo life. Maintenance fee includes ground maintenance, landscaping, pest control, trash removal, water and all amenities- excluding golf fees. This community...
Visit this property in SUN CITY CENTER: 1405 LELAND DR #N/A, SUN CITY CENTER

MLS# W7629459

Wonderful Pool home with open water views of the River and access to the Gulf of Mexico. Large master bedroom with beautiful river views. Huge pool deck, screened lanai, two car garage and a second golf cart garage/ work shop. Floating dock.
Visit this property in NEW PORT RICHEY: 6526 RIVER RD, NEW PORT RICHEY

MLS# U7816821

Extras, updates & special features include quality 3/4 “ Red Oak flooring, high volume & vaulted ceilings (NO popcorn. Kitchen is open to the informal dining area & family room complete w/skylights, gas fireplace & built-ins. Totally remodeled...
Visit this property in PALM HARBOR: 365 MAYFAIR CIR E, PALM HARBOR

MLS# T2878023

Welcome to this meticulously well maintained home with upgrades; so well maintained the seller paid for a home inspection (ask for report) to ensure everything was ready for the buyer to just simply move their furniture in and enjoy. Maintenance...
Visit this property in VALRICO: 2908 MOJAVE OAK DR, VALRICO


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