Julia Vakulenko

Featured properties: See ALL

BELLEAIR BLUFFS, FL

131 BLUFF VIEW DR #208, BELLEAIR BLUFFS listing
  • $168,000
  • 2 Beds
  • 2 Baths
  • 1,300 Sq.Ft.

details Details

save Save

map Map

Tampa4U.com

Newest listings

MLS# T3159644

Beautiful, well maintained, move-in-ready, only 4 year old home in the peaceful gated neighborhood of Valencia Lakes. Countless windows letting in all the natural light boasting all its special features. Large master suite offers french doors,...
Visit this property in WIMAUMA: 5103 SHADY STONE PL, WIMAUMA

MLS# O5767036

Driving up to the home you will notice new landscaping and a paver driveway. Entering the home, you will immediately notice the open space and the new wood-look tile. To the left of the entry is the centerpiece of this home, a completely remodeled...
Visit this property in RIVERVIEW: 13303 BEECHBERRY DR, RIVERVIEW

MLS# T3159659

The current owners took this home and updated it to Mid-century style home while keeping with the original style of the home. This home has new flooring with gorgeous subway tile in the kitchen, living room and dining room as well freshly stripped...
Visit this property in TAMPA: 520 SUWANEE CIR, TAMPA

MLS# T3160112

Make your escape to this incredible Yachtsman’s Paradise. Incredible living spaces include an open living room with 20 foot ceilings, enchanting tower, separate in-law/guest suite (opt 5th bedroom), large game room with full entertaining bar, den...
Visit this property in APOLLO BEACH: 6502 BLACKFIN WAY, 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