Jeff and Cheryl Fox
800-917-8080 Toll Free
16133 Ventura Blvd. 7th Floor
Encino, CA 91436
Our online tax records indicate that the home is still owned by you. (Occasionally they aren't updated so aren't 100% accurate all the time.) Perhaps you received a notice that the bank had filed a Notice of Default? Until the foreclosure is complete by the bank filing a Notice of Trustee Sale and the sale actually being complete, you may have options. Do you want to keep the house? If so, have you talked to your bank about modifying your current loan if you want to stay? If not, have you considered a short sale which is when you sell it for less than the owe your bank with your bank's permission? Banks are generally taking a long time to complete foreclosures these days, so you might want to start by calling the customer service # on your bill to find out the true status of your loan. Don't be afraid to call them. You've got nothing more to lose and you may save your house. Good luck!
Diane Conaway, RE/MAX United, (760) 749-2888
You would be surprised how quick or slow these banks react. Also, are you 100% sure it did? Some folks are still NOT clear what foreclosure is NOD, NOS, etc. You can even call a title company and sometimes they DON'T even know.
The only one who would know is the trustee who works with the bank on your property. However, be prepared, know where you are going next. They may even offer "CASH FOR KEYS". Meaning you might be able to stay a few more weeks or take the money and move on.
You may want to tell your friends of another option MOST people don't even know about even REALTORS! It's called a LOAN MODIFICATION. It's more than likely too late, but if we had this conversation earlier and you wanted to stay, you might have qualified for a modification.
I wish you the best of luck.
Joe Mendoza, Broker
"Who's Who In Real Estate"
Top 1% Nationwide
Hopefully you will be able to get your life back in order and buy once again when the time is right for you.