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!!
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 www.hopenow.com.
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
Check out my website at: www.debs-realestate.com.