You may be eligible for a HAFA program modification. I have had great success working with a local non-profit to help homeowners keep their homes. You should contact Martin Lewis at The Partnership CDC as soon as possible. You can reach Martin at 215-307-4917(or 4718/19/20). Make an appointment to see him. Be prepared when you call him. Have at hand: your last mortgage statement and all account and bank contact info.
There is no charge for his services. He can delay and stop foreclosure if you contact him in time. Your alternatives are: mortgage modification, deed in lieu, short sale or foreclosure. Do what is best for you.
Good luck. Happy Holidays!
All the best,
REALTOR, Property Manager
YOur Real Estate Resource For Life
I hope 2012 brings you brighter days.
Negotiate with your lender or Sell your property. The third option is foreclosure which is not what you want.
If you want to discuss your situation in more detail please call me 267 738 0886 or email me firstname.lastname@example.org
Realty Mark Cityscape
They may agree to piggy-back your deficiency on to the next 24 payments; adding $187 to each payment.
Or, they may move the $4500 to the back-end of the loan.
But you have to work it out with them.
Call their Loan Mitigation Department
Have a Merry Christmas