Deb's Lake Conroe Real Estate & Stuff! : You CAN keep your home! The first step, part 1.

You CAN keep your home! The first step, part 1.

Do you hear a wolf at your door?  If you've fallen behind on your house payments, it's usually because of some major life change. Whether it is due to a divorce, illness, job loss or worse, circumstances can cause you to fall behind. When a trauma hits a family the automatic response is to throw our hoods over our heads and hide from danger. We are psychologically programmed to shut down and hold our fears and pain inside while smiling to the world. Remember that doing nothing may insure the foreclosure of your home.

Believe it or not, Lenders do NOT want your house!!  lil red riding hood and wolf

Your Lender is NOT the big bad wolf that wants to take your house away! With the shift in our economy also comes a shift in "thinking" on your Lenders part. They actually WANT TO KNOW what's happening so they can possibly help.

And, yes. There are ways. You may contact

EXAMPLE:  You and your family have lived in the same home for three years and paid for it in a timely manner. Your company implements a massive layoff. You have no job. You can no longer meet your bills. Something's got to give. What can you do? Where do you go? Not only have you lost your job, now you are worrying about losing your home! Where do you turn?

Turn to your Lender! Yes, that's right. Call them. Pick up the phone and contact them.

*DON'T wait till you fall behind.

*DON'T wait till you begin getting late notices.

*DON"T wait till you are three months behind to finally communicate with your Lender.

                                                                 *DO know that they want to help.

                                                                 *DO face the problem as soon as possible.

                                                                 *DO call your Lender.

The longer you wait the less options there may be. Please DON"T hide your problems from the Lender till it's too late to do anything. Make the call, explain your situation and let them help find a solution.

                                                                   You CAN keep your home.

                      Debra A Brooks, Realtor, LMC, Loss Mitigation Consultant

                                 Texas Waterfront Specialist, Lake Livingston


and Proud of it! Deb


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Comment balloon 13 commentsDeb Brooks • December 23 2007 09:35PM



Good advice, I am working with many home owners that are in trouble in the Inland Empire of California through and I have found that the banks have bigger fish to fry than those that are willing to work with them.

For information on purchasing your next home in Claremont or anywhere in the Inland Empire call Empire Realty at 909-579-6611 or visit us on the web at Empire Realty.

Empire Realty is your one stop shop for information and Full Service at a Discount.

Take care!


Posted by Robert Huntsinger, Empire Realty Upland, CA - Full Service at a Discount (Empire Realty) over 11 years ago


It can't be emphasized enough to the homeowners who may be having difficulties with their payments, call the lender first. The sooner, the better. Also, HUD has a list of counseling service companies that will offer help for free.

Posted by Esko Kiuru over 11 years ago
Debra, great advice and I love your graphics you used for illustration.  Have a Merry Christmas!
Posted by Marchel Peterson, Spring TX Real Estate E-Pro (Results Realty) over 11 years ago
Great Advice - Just a suggestion.  Hopefully you like and trust the person who got you your mortgage.  They should be able to help as well! 
Posted by Matthew Rosov, Certified Mortgage Planning Specialist (Amerisave Mortgage Corporation) over 11 years ago
Debra this is an unfortunate but a timely post. I have had calls from homeowners to tell me that they are headed towards trouble. I could not swayed them to be proactive, the next thing I know the home is a REO.
Posted by Dionne Morgan, Broker REALTOR ,GRI, e-PRO (Realty World Solano Realty) over 11 years ago

Most of these foreclosures could be avoided if the homeowners would just communicate with the bank.

I see it a LOT!!!

Posted by Tom Burris, Texas/Louisiana Mortgage Pro - 13 YRS Experience (NMLS# 335055) over 11 years ago
Yes, they have to start somewhere. One little "help" from the homeowner could curtail an entire string of events from the lender.
Posted by Deb Brooks (Brooks Prime Properties Wichita Falls Texas) over 11 years ago
Debra:  I do alot of lmc work here in NY.  I find that most homeowners even when armed with the correct information do nothing or only do part and eventually lose there home.  Even so I continue to help them.
Posted by Jeffrey Dolfinger, NRBA Member (24/7 Realty Inc.) over 11 years ago
Jeffrey, Yes the problem is that they emotionally shut down with a feeling of doom. We just need to educate them! Have a great 2008! Deb
Posted by Debra A. Brooks, Texas Waterfront Specialist over 11 years ago
Debra, I'm sure this post will help inform people not to wait until it's too late, many don't realize there is help available.  Have a wonderful New Year.
Posted by Laura Cerrano, Certified Feng Shui Expert, Speaker & Researcher (Feng Shui Manhattan Long Island) over 11 years ago

Deb, that's so true.  Lenders DON'T want the house back.  I think that little piece often gets overlooked in the midst of crisis.

Texas Waterfront? Sounds nice! I do a lot of business on an Island (Camano Island, WA), but somehow you have just completely changed my vision of Texas.  Thanks!

Posted by Jen Hudson, Stanwood, Camano & Arlington, WA (Windermere Real Estate/M2, LLC) over 11 years ago
I agree with this article.  Banks do not want your home as it effects the amount of money they are able to lend out and it ruins their books!  Great Post
Posted by Jason Wheeler, ( over 11 years ago

Carole, I am hoping to inform them before it's too late. No one deserves to go through this. Thanks, Deb

Hi Jen! Texas does have some beautiful spots. We have any climate you prefer! Check us out! Deb

Jason, we just need to educate people. So many could save their homes with a little communication. Deb

Posted by Deb Brooks (Brooks Prime Properties Wichita Falls Texas) over 11 years ago