Equity Home Equity Loan Morgages

Homeequityloanmorgages P Equity Ko 20110417 Home Equity Loan Morgages Equity 1-Loans

Homeequityloanmorgages P Equity Ko 20110417 Home Equity Loan Morgages

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Equity 1-Loans
5405 Stockdale Hwy. #108
Bakersfield, CA 93309
OVER 100 TIPS TO STOP, PREVENT, AVOID FORECLOSURE
THIS IS A DISCOURSE REQUIRED BY CA SENATE BILL 1137 LAW OF CALIFORNIA
  1. Ask lender to allow you to skip 1 to 3 payments & most lenders will allow this, maybe even Equity 1-Loans.
  2. Ask lender to allow you to pay 1/2 of loan payments for 6 months & then after paying 1/2 payments for 6 months start paying 1 1/2 payments for 8 months, to get back on track, & some lenders will allow this.
  3. Ask lenders to allow you to pay interest only (nothing on principal) for the next 12 months & most lender will allow this.
  4. Refinance, get a loan elsewhere, at a cheaper interest rate, to lower your payments & most lenders will help you get a loan from another lender, no prepay penalty, including Equity 1-Loans.
  5. Get a 2nd loan that produces cash, to be used to bring the first loan up to date, if you have enough equity and payback ability to do this.
  6. Do a deed instead of foreclosure, meaning transfer deed of your house to lender & walk away free & clear of debt liability.
  7. Do a short payoff, or short sale, meaning convince lender to take a discount or loss on lenders loan & sell property for what it is worth even if it is worth less than loan balance owing.
  8. List & sell your property with a Realtor, before the foreclosure auction occurs, if you cannot or will not pay the obligations of property taxes & fire insurance & mortgage loans on your property.
  9. Get a reverse mortgage, if over age 62 and if you have enough equity in your home, if you cannot or will not pay the obligations pertaining to your home.
  10. Get a job, or a 2nd job, and use your income to pay the loans and other obligations pertaining to your home/property.
  11. If divorce or loss of second income caused your loan default, then get married again to a spouse who can help you make the payments of property taxes & fire insurance & mortgage loan payments on your home/property.
  12. If excessive debt obligations caused you to default on your obligations pertaining to your home, then get rid of those other debt obligations by filing a Chapter 7 Bankruptcy, which will not get rid of a real estate loan, but will usually get rid of non-secured debts.
  13. Ask your boss where you work to promote you and/or increase your salary.
  14. If unexpected major home maintenance expenditures caused you to be unable to pay your mortgage loan payments, then try to be more of a "do it yourself handyman", to save on & to prevent such expenditures.
  15. Give to your lender a catch up plan or forbearance plan, meaning offer to lender to pay 1.3 loan payments when each payment is due, to eventually catch up and reinstate the loan & thereby stop foreclosure.
  16. Ask the lender to let you skip 3 payments & pay them at end of loan, & many lenders will allow this.
  17. Ask lender to let you spread out missed/defaulted payments over a year or until you catch up, example, by paying 1.3 payments each payment due date.
  18. Ask lender to add your missed/defaulted back payments to your loan balance.
  19. Ask lender to postpone the foreclosure, if & while you keep property tax & fire insurance up to date & pay 1.3 loan payments each loan payment due date, until you eventually fully reinstate the loan & thereby cancel the foreclosure status.
  20. Cut down on restaurant lunches & save money for mortgage payments by eating more often at home.
  21. Get rid of your cell phone and use the savings to pay the mortgage loan payments.
  22. Get rid of your fancy, big, gas guzzling car and buy a cheap economy car & use the savings to pay your mortgage loan payments with.
  23. Get a second or third job and use that extra income to make mortgage loan payments with.
  24. In summer, raise your home thermostat, and in winter, lower your home thermostat, to save energy expenditures and use the savings to pay your mortgage loan payments with.
  25. Get rid of your gardener and cut your own grass, to save $80 to $100/month, & use the savings to pay your mortgage payments with.
  26. Do not file Chapter 13 bankruptcy unless you can afford to pay the bankruptcy trustee 10% of all the payments you pay to him & to pay your attorney maybe up to $4,000 & to pay the Chapter 13 payments, that the bankruptcy judge will force you to pay, which includes all mortgage loan payments plus extra payments to catch up defaulted payments plus other debts on top of that.
  27. If you have enough equity, get a new loan and pay off the defaulted "in foreclosure" loan.
  28. Stop the foreclosure by just merely fully reinstating the loan and ask lender for a full reinstatement quote.
  29. Sell your house and move into a cheaper place.
  30. Use your savings account money to reinstate the loan in foreclosure.
  31. Get cash from your life insurance and use that cash to pay the defaulted loan.
  32. Stop paying credit card payments and pay your home mortgage loan payments instead.
  33. Ask in-laws for a loan to you of cash to be used to stop foreclosure.
  34. Ask brothers and sisters & cousins & parents for a loan of cash to be used to stop foreclosure.
  35. Get a job in the early morning, like 4AM to 6AM, delivering papers, to earn $300 to $800/mo and use that income to help pay property obligations with.
  36. Ask your spouse to get a 2nd job waiting tables at a restaurant from 6PM to 9PM, to earn maybe $300 to $800/mo cash to be used to pay the mortgage payments with.
  37. Stop buying expensive clothes and use the savings to pay your defaulted loan with.
  38. Stop taking vacations & use the savings to pay your mortgage loan payments with.
  39. Stop life insurance payments and use the savings to pay your mortgage loan payments with.
  40. If possible, walk to work and use the gas savings to pay your mortgage loan payments.
  41. Ask your teenage children to baby-sit the neighborhood kids and use their earnings to help pay mortgage loan payments with.
  42. Sell jewelry and unused gold at home, & use the sale proceeds to pay the mortgage payments.
  43. Have a garage sale and sell everything you do not really use regularly and use the cash proceeds to cure defaults on your mortgage loan.
  44. If you have a swimming pool at your home, then fill it in & save about $200/mo & use the savings to pay the mortgage loan payments with.
  45. Talk to your lender and most lenders will work with you to avoid a foreclosure.
  46. Do not ignore the problem, because the further behind you become, the harder it will be to reinstate your loan.
  47. Contact your lender as soon as possible & tell the lender your problems & most lenders will try to help you.
  48. Open and read and respond to all mail from the lender.
  49. Read, read, read, your promissory note and deed of trust so that you know what the lender can do if you default.
  50. Understand foreclosure prevention options by talking to the HUD approved housing counselor at 1-800-569-4287.
  51. Prioritize your spending and after health care, do not spend any extra money on anything except your first priority being paying your house related payments.
  52. Sell your second car, jewelry, whole life insurance policy & get cash to help reinstate your loan.
  53. Do not pay fees to any foreclosure prevention companies, instead use that money to pay your defaulted mortgage loan. Get free help/info from HUD.
  54. Do not lose your house to any foreclosure recovery scam.
  55. If you live in an area declared a disaster by the President (such as hurricane, tornado, flood, fire) you may qualify for special government aid. Ask the HUD counselor.
  56. If you are in the military, you may qualify for a reduction in your interest rate, resulting in lower payments, as stated in federal laws.
  57. Be aware that lenders do not want to foreclose, because foreclosure usually results in lender losing much money, so contact your lender as soon as you have a problem.
  58. Do not lose or waste time by being overly optimistic, but be realistic and honest with yourself and your lender at all times.
  59. Do now unrealistically assume that your financial problems will magically correct themselves by you just doing nothing. Solve your own problems and do not expect others to solve your problems for you.
  60. Talk to a HUD approved housing counselor; it is free at Tel 1-800-569-4287, instead of talking to a lawyer that wants you to pay him a big fee of maybe $6,000.
  61. Learn how to budget your finances to prevent foreclosures.
  62. Learn how to balance & reconcile your checking account and avoid writing bad checks.
  63. Prioritize your debts (rank them in a list by importance) and put your home mortgage loan payments at the top of the list).
  64. Stop entertainment expenditures, cable TV expenditures, cell phone expenditures, manicure expenditures, beauty shop expenditures, booze expenditures, beer expenditures, residence phone expenditures, & apply the savings towards your home mortgage loan payments.
  65. Sell all your stocks and apply the sales proceeds towards paying your property taxes & fire insurance & mortgage loan payments.
  66. Take any responsible action that will save you cash and apply the cash savings towards saving your home.
  67. If you cannot or will not pay your property taxes & fire insurance & home mortgage loan payments, then do either sell your home, or ask lender for a short payoff (lender takes loss/discount on loan if home has no equity), or let your loan be assumed (taken over) by a buyer, or deed your home to lender (deed in lieu of foreclosure).
  68. Do not sign anything that your do not understand and do read & understand everything you sign.
  69. Understand that your missing or your defaulting on or missing payments, property taxes & fire insurance & mortgage loan payments do cause a foreclosure sale to happen.
  70. Call & visit your lender at telephone number and address on the mortgage coupons and mortgage loan statements.
  71. If you are going to be laid off in future, then start now, now, now looking for a new job. 74. If you miss loan payments and have a foreclosure, you have 2 derogatory remarks on your credit report.
  72. If you miss loan payments and have a foreclosure & file bankruptcy, you have 3 derogatory remarks on your credit report, because usually or frequently the bankruptcy does not permanently stop a foreclosure buy only slows it down. aHomeequityloanmorgages P Equity Ko 20110417 Home Equity Loan Morgages Equity 1-Loansq f Morgages y Home Equity Loan Morgages Home Equity Loan Morgages hHomeequityloanmorgages P Equity Ko 20110417 Home Equity Loan Morgages Equity 1-Loansf p p Home Equity Loan Morgages Home Equity Loan Morgages