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Foreclosures >4. Foreclosure Alternatives
There are several alternatives for a homeowner to consider when foreclosure is looming. Before proceeding, a homeowner must first choose whether or not he or she wants to keep his or her home.
If a homeowner wants to keep their home:
Repayment plan: The homeowner establishes a payment schedule with the lender to pay the delinquent amount.
Special forbearance plan: The homeowner requests a temporary reduction or payment suspension that will be increased after a set specific period of to repay the delinquent amount.
Modifying the mortgage: The homeowner can refinance the debt and/or extend the term of the loan.
HUD partial claim: If the homeowner has a loan insured by the Federal Housing Administration the lender can get a one time payment from the FHA-Insurance Fund to get the mortgage payments up to date.
Refinance: The homeowner can negotiate a new loan with a different interest rate in order to make smaller payments.
All options listed are subject to approval of the lender.
If a homeowner does not want to keep their home:
Sell the house: Depending on the situation, the homeowner may be able to sell the house for more than is owed to the lender.
Assumption: The homeowner turns over possession of the house to another person who then assumes the responsibility of the payments.
Short sale: The lender and the homeowner come to an agreement to sell the home at a loss in order to get the homeowner out.
Pre-foreclosure sale: The homeowner can sell the home and use the proceeds to settle the mortgage debt, even if the proceeds are less than the amount owed.
Deed in Lieu of Foreclosure: The homeowner surrenders the property to the lender without further damage to his or her credit.
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Charlie and Barbara Kaylor, The Dream Team, have over 30 years combined residential real estate experience. Charlie, Broker-Owner of RE/MAX Communities has been awarded the RE/MAX International Platinum Club status for outstanding sales volume for four consecutive years and is among the elite RE/MAX Hall of Fame recipients. Barbara's innovative marketing and promotional material has been recognized as the best in the area. The Dream Team is an enthusiastic, knowledgeable and dedicated team of professionals with a genuine love for The Farmington Valley. They have two elementary school aged children and are deeply involved in their community. Partners in business and in life, The Dream Team is the best choice to help you with all of your real estate needs. Please visit www.CTDreamTeam.com to learn more about The Dream Team and the beautiful Farmington Valley area. Don't miss the 40 testimonials from their clients!
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