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Are you a distressed homeowner?
Are you a distressed homeowner? Are you a distressed homeowner in Winchester, VA?  You might be and not even know it.  I've worked with a lot of distressed homeowners in the past few years, and they all have one thing in common. They all waited until the last minute to try to save their homes.
It breaks my heart when distressed homeowners call with the hope that some sort of magic will ultimately help them save their home and sell it for what they owe. The truth is, most call come minutes before foreclosure. If I could offer a distressed homeowner andy advice, it would look something like this:
If you're a two income family and one income is lost - take inventory. How long can you survive on one income? Be totally honest with yourself. Do you have enough money set aside to give you time to formulate a plan if a new job isn't found right away? How long is that? A month, three months, six months, a year, longer? The answer to that is important. Missed payments hurt your credit report more than a short sale or deed in lieu of foreclosure. Do everything you can to continue with the house payments. ... more

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