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During the foreclosure process, there are a series of documents your lender is required to complete in order to pursue a mortgage foreclosure. Among the first that a homeowner facing potential foreclosure will receive is the “Notice of Default,” which notifies you that you have failed to comply with your contractual obligations of the loan...
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Falling behind on mortgage payments is already a stressful experience and facing the threat of foreclosure can make it feel even more overwhelming. But before you think about giving up the fight before it has even begun, know that you have many options at your disposal if you do find yourself facing the threat of...
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For Florida homeowners who find themselves falling behind on mortgage payments, it may be time to act. As difficult as it may be, putting yourself in the driver’s seat of the situation may help you feel more in control rather than sinking back and hoping the debt will just go away. By turning to us...
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During pre-foreclosure, homeowners may have an opportunity to negotiate potential outcomes that reverse the default status of the loan. Many times, options open for discussion including issuing back-dated payments on the loan or negotiating a possible loan modification. A third option may also be to arrange a short sale and sell your house before the...
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When you buy a home, you do so with the intent of providing safety and stability for your family, but sometimes that stability is threatened. In difficult situations like that of a foreclosure, keeping your family safe and your rights protected can feel insurmountable. We’re here to tell you, it’s not impossible. You can fight...
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With any debt – be it credit card debt, mortgage debt, or other type of debt – the debt collector or lending institution must provide a validation letter that outlines in detail what the debt is, how much you owe, and other important information regarding the debt. The debt validation letter is an essential step...
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The most important thing to remember if you receive a Notice of Default from your mortgage lender in Florida is that there is always something you can do. Oftentimes, people feel helpless or trapped. That’s just not the case. While it can be overwhelming and frightening, it’s important to know you have a few key...
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Foreclosure is one of those topics that can be tempting to avoid even talking about because of all the emotions and anxiety that come with it. But for something as important as your home, however, it’s important to be well-versed on what foreclosure really means. By acting early and learning what you can about the...
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