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Foreclosure in Cypress : Real Estate Advice

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  • Local Info9
  • Home Buying39
  • Home Selling4
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Activity 4
Tue Jul 30, 2013
Becky Griffin answered:
Tower Oaks is great!
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Fri Aug 12, 2011
Joseph Keresztury answered:

Here is a link to some info on HOA and foreclosure
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Fri Jul 22, 2011
Millie Lumpkin answered:

You have recent bankruptcy and loss of income. These are big negatives. However, you need to speak with your bank to determine if they will work with you. One thing you could try is working with a HUD counselor in your area. They will discuss your options with you and negotiate directly with the bank on your behalf. The service should be free. Just google on HUD counselor to find link to site and find one in your area.

Good luck.

Millie Lumpkin
Century 21 Proteam
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Tue Feb 3, 2009
Trulia answered:
I think when it is hard for you to continue making payments on your mortgage you can look at Loan Modification these days. It is really attractive option and has absolutely no downside. It doesn't even require your credit report to be pulled let alone foreclosure record on your report.

There are three ways of doing it:

1. Do it yourself. Risk in doing that is, lenders will be much more sophisticated than you and they will take advantage of that. It is definitely not recommended unless you are a broker yourself and understand the process well.

2. Find a loan mod company. When you do that make sure the company you work with is attorney based. There are many many companies that do it through in house process. Some call it "underwriter" or "broker" based process. It is never a good option for the borrower. For the same price you can find a lawyer based loan modification company to do it.

Check out - they offer money back guarantee unlike others they refund every single penny no catch ! most others will not refund $999 application fee or something similar.

Good Luck !!
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