Marie123, Home Owner in 23238

how can i know if my property has a auction date and how can i look it up on the internet.?

Asked by Marie123, 23238 Mon Mar 28, 2011

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Mike Ryan, Jr, Agent, Richmond, VA
Wed Mar 30, 2011
Marie,

Greetings and sorry to hear about your situation. The bit of good news is that you are not alone and have nothing to be ashamed of. "There but for the grace of God go I...and a bunch of other home owners". Okay. First, call your lender and talk to them. The percentage of folks who don't even call their lender facing forecloure is staggering (something like 75%). They really don't want your home and might be willing to work with you. Second, if you can find it, pull out your Deed of Trust from when you bought your home. That should name a substitue trustee who might be sending you love letters. Call them. Lastly consider either a short sale or, if you have any equity, finding a buyer who will loan you money for your home in exchange for some of the equity. There are people out there who will work with you who are not loan sharks but you need to have some equity in the property (if you bought in 2005 or later you might not have any). With a short sale you need to be in a position of "hardship". If you have money or can pay your mortgage, the bank will most likely not work with you. Lastly, is this your principal residence or an investment property? That can make a big difference whether the lener will work with you AND if you will have to pay income taxes on any amount forgiven by the bank. By the way, if you are looking for the published ad, look in Style Magazine too. They arguably have more posting than the Richmond TD. Let me know if I can be of service and wishing you and your family the best.

MikeRyanJr.com
Associate Broker
RE/MAX Commonwealth
804-359-4943
Web Reference:  http://MikeRyanJr.com
0 votes
Eli Givoni-S…, , Boca Raton, FL
Mon Mar 28, 2011
Hi Marie,

You can try to search the tax records of your county circuit court. If you can't find it online, you can just call them. Also, you can call your lender. They should be able to tell you if you have a scheduled auction date. Although, sometimes, we have found that the banks don't know the auction dates. The foreclosure attorneys process and we have had cases of miscommunication.

You can do a short sale and keep foreclosure off your credit. We are a professional short sale service and would be happy to explain the process to you. Please call us directly to discuss your specific situation. Our services are FREE to homeowners. We look forward to hearing from you.

Eli Givoni, Director
Short Sale Department, LLC
561-361-1909
info@shortsaledept.com
http://www.shortsaledepartment.com
Serving all 50 states

MARS Disclosure for General Commercial Communications
IMPORTANT NOTICE:
Short Sale Department, LLC is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.
0 votes
Ryan Sanford, Agent, Midlothian, VA
Mon Mar 28, 2011
Hi Marie- You should have received a letter from a foreclosure attorney with sale date. If not you can google your address and add "trustee sale" to the end of it. In VA the attorney has to post an add 3 times in the legal section of the Richmond Times Dispatch stating that there is a foreclosure sale on the property. If you need help short selling the home then let me know, I've closed close to 25 short sales successfully and have a 98% success rate. Don't let the bank foreclose on it or your credit will be damaged for 7 to 10 years and you will always have to disclose it anytime you fill out a credit application.


Ryan C. Sanford
Associate Broker
RE/MAX Commonwealth
The Ryan Sanford Team
9401 Courthouse Road, Suite 200
Chesterfield, VA. 23832
804-218-3409 direct mobile, text
804-423-2392 direct efax
804-777-9001 office
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