San Ramon, Danville and Blackhawk Real Estate Information. Homes For Sale and Real Estate Resources for The San Ramon Valley and Lamorinda

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Bernard Gibbons, San Ramon Valley CA real estate agent

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Information For Homeowners Facing Foreclosure

Are you having problems making your mortgage payments?

Have things gotten so bad that you have stopped making your mortgage payments?

Have you started getting delinquency notices in the mail from your lender and now they are going to file a Notice of Default? Or has it already been filed?

Whatever you do, don't just wait for your home to be foreclosed!

There are a number of options for homeowners who are suffering hardship and who are unable to pay their mortgage.

Your lender may agree to restructure your loan so that you don't lose your home.
New legislation passed in August 2008 (HR 3221, the Housing and Economic Recovery Act) may save you.
A Short Sale may be the answer for you - it is often a much better solution than foreclosure.

The attitude of many lenders to Short Sales has recently changed. Short Sales can be a much faster and more streamlined process than before.

Even if you have a first and a second loan on your home where the second is a revolving line of credit, a Short Sale may now be a much better alternative than Foreclosure.

Even if you have more than one home and you want to sell the one that is not your Primary Residence as a Short Sale, this is now often a real possibility.

If you are in a situation such as those described above, whatever you do, please don't ignore it! If you live anywhere in the San Ramon Valley or Lamorinda, call me on my cell phone at any time on (925) 997-1585 any time or just send me an email with an outline of your situation. Anything you tell me will be kept in complete confidence and I will be happy to arrange to meet with you and discuss the possible options that are open to you.

If it turns out that a Short Sale is the answer, I will explain the process to you and I will do everything in my power to help you to avoid foreclosure.

I look forward to helping you.

Click Here To Download Information About HR 3221, the Housing and Economic Recovery Act of 2008

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