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Alternatives continued!
There are several alternatives to foreclosure which have less impact on your credit. The type of mortgage loan you have and what your mortgage company will allow determine what alternatives may be available. How do you learn which alternatives are available to you?
1. Contact your mortgage company to discuss the alternatives available to you. A housing counseling agency can also help you determine which, if any, of these options may meet your needs. They may assist you in interacting with your lender.
2. Talk to a real estate attorney that deals with foreclosures. If you are uncomfortable speaking with your mortgage company or don't understand the terminology, hire someone to represent your interests. Paying a small fee now may save you thousands of dollars later and may save your credit.
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