Julia Vakulenko

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MLS# U8005755

Country kitchen model features a spacious split plan, large kitchen with eating space, covered patio including storage closet, assigned parking space and being sold fully furnished. Convenient location close to gulf beaches, Ft. DeSoto Park,...
Visit this property in ST PETERSBURG: 6151 BAHIA DEL MAR BLVD #119, ST PETERSBURG

MLS# U8005722

Third floor 1225 square foot of living area. Cordova Greens is a pet friendly, all ages are welcome. close to shopping centers, restaurants, health care centers, schools, banks, golf course country club and so much more. Ready for immediate...
Visit this property in SEMINOLE: 8693 BARDMOOR BLVD #306B, SEMINOLE

MLS# T3109710

Cash or Conventional loan only. A new 3rd bedroom and bathroom just added. New Fences. Minutes away to University of South Florida and Busch Gardens.
Visit this property in TAMPA: 1306 E LINEBAUGH, TAMPA

MLS# W7801554

Enjoy a walk-in pantry for out of the kitchen storage. The kitchen counter leads into a dinning / living room combo. Easy access storage is off to the side. Enjoy this quiet neighborhood inside Beacon Woods.
Visit this property in HUDSON: 12518 DEARBORN DR, HUDSON


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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