Are there any legit programs to help keep someone out of foreclosure?
Question:
We are trying to get a remodification and I call every few
days and they always tell me to call back because it's still
in review. This has been going on for awhile. I'm constantly
faxing the same info. to them over and over. Is there any place/
program that will help out with the missed payments? We want
to keep our home.
Answer:
I don't think I can help with were to go, but I know that you have options, being how I live in Texas the laws may be different. However, In Texas when a home is Foreclosed, if it sells for more than the back mortgage; whatever is left over by law belogs to the owner (in this case this would be you) for example to are behind $25,000.00 after forclosure they sell your home for $30,000.00 that five thousand dollars belongs to you. But this is not voluntered info, they don't want you to know this, so therefore the left over money goes back to the state. This may have been pointless but you should see a lawyer that practices real estate law, this could really help you as far as what rights you have you may not be aware of.
Good luck I hope you can keep your home:)
If you are getting the run-around, then you need to take it to the next level up. Next time you call, ask to speak to that person's supervisor. Keep going until you speak to someone who can make a decision. This is your mortgage, your credit, and your home at stake. Don't settle for "call back in a few days."
Be a thorn in their side. Take good notes of each phone conversation (ie, date, time, who you spoke with, what was agreed upon, when and how to follow up).
Avoid foreclosure. It will devastate your credit.
Best of luck.
There are a lot of legitimate companies out there, as well as a lot of foreclosure scam companies. If you're really looking for a foreclosure help company to work with, talk with at least a handful of them and see what they can offer you.
However --
If you're having such trouble working with the mortgage company, then no other company will be able to help with that. If the lender is incompetent, that's not your fault, and hiring someone else to work with them won't change the lender's inability to get things right.
Don't hire a foreclosure help company just to be able to blame them when everything falls apart. It looks like the lender is destroying the process for you at this point, regardless of who you're working with.
It might be a good idea to do some more research on what other options you might have to stop foreclosure, and see if any of them make sense in your situation.
Good luck
ForeclosureFish
http://www.foreclosurefish.com/...
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