Julia Vakulenko

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MLS# U8025499

The unit is located on the Northwest corner allowing waterviews along the coastline all the way to Honeymoon Island. The pool has been upgraded to salt water and sits on the waterfront so you can enjoy the view at the pool or in the condo....
Visit this property in CLEARWATER: 700 N OSCEOLA AVE #502, CLEARWATER

MLS# U8025475

Desirable Vista Verde West Condo with stunning lake views overlooking Isla Del Sol’s signature 8th Hole. Vista Verde West allows 1 week rentals and 1 pet up to 20lbs. Pete Beach, Fort Desoto Park and the Pinellas Bike Trail. Don’t miss your chance...
Visit this property in ST PETERSBURG: 6050 BAHIA DEL MAR CIR #118, ST PETERSBURG

MLS# W7807131

Two bedroom home near New Port Richey post office. Come see if this home is a good fit for you. Being sold AS-IS for seller convenience. Property was obtained through foreclosure.
Visit this property in NEW PORT RICHEY: 6734 CARNELIAN AVE, NEW PORT RICHEY

MLS# T3143549

Come and see this 4 BEDROOM, 2 BATH home in the community of Willow Bend. New roof march 2018. Upon entering through the front door, one is greeted by a separate and formal living and dining room, perfect for conversation and hosting. the benefits...
Visit this property in LUTZ: 22208 MAGNOLIA TRACE BLVD, LUTZ


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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