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I Need Your Help. My Home Was Foreclosed On. I Have 5 Days.....

By Vicky Chrisner

Real Estate Sales Representative with Fieldstone Real Estate

September 10, 2009 04:50 AM

It happened, again.

This morning I got a message from a friend - our daughters go to school together. The message said "I need your help. My home was foreclosed on... and I have 5 days to find a new place to live..." Oh, how I wish I'd known.

It seems they were working through a loan modificiation company thinking all would be well... and, all the while, the home was being sold on the courthouse steps. WHY, WHY, didn't they call me? Maybe I could have done something? Maybe I could have given them a bit more control over the situation, at least. So, I will work with them and do what I can to help place them elsewhere, but honestly I probably could have done better for them. I would have liked to have tried.

Then, I think, "Why WOULD they call me?". Let's be honest, they may have considered it embarrassing. They didn't want to sell, so why would they call a REALTOR? Well, here's why. They know me. They can trust me. I have industry contacts. I could have given them resources. I could have at least saved them the money they paid to the loan modification company.

Please, please, friends... if you or someone you know is struggling with your house payments... PLEASE call me. At least give me a chance to try to help you. Here are some posts I've done on similar things.... I am doing what I can to get the word out, especially to you... I am here to help, please let me try....

http://therealestatewhisperer.blogspot.com/2009/04/need-help-with-your-mortgage-watch-your.html

http://therealestatewhisperer.blogspot.com/2009/07/short-sale-anything-but-short.html

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Yvonne Jaramillo Ahearn, Esq. (B)

Hawaii Life Real Estate Brokers - Kailua, HI

REALTOR-Broker, CRS, GRI, ABR CLHMS

That's great that you are there to help. THere are many people out there who don't know who to turn to. It is a tricky situation because people are embarrassed or in denial, and often wait until it is too late. ROCK-ON!

Sep 10, 2009 04:53 AM

John Mulkey

TheHousingGuru.com - Waleska, GA

Housing Guru

Vicky - Looming foreclosure is not a subject most people can discuss, even with friends. Most don't understand the risk that foreclosure can still occur even after the bank has agreed to work towards a short sale or loan modification.

Sep 10, 2009 05:01 AM

Karen Fiddler, Broker/Owner

Karen Parsons-Fiddler, Broker 949-510-2395 - Mission Viejo, CA

Orange County & Lake Arrowhead, CA (949)510-2395

I'm so sorry....terrifying. I may be wrong but I think they can take longer and let the bank force them out. Also...have they called the bank to ask about staying and caring for the home while it's on the market? I'm so sorry

Sep 10, 2009 05:05 AM

Vicky Chrisner

Fieldstone Real Estate - Leesburg, VA

Thanks, Yvonne.

John - I know, but the question is how can we change this? I know I am not a saviour, but sometimes I can make a positive difference... and my friends, or even those I don't know (but especially those I do know) can trust me. I wish they'd get the message.

Karen - Yes, I am pretty sure you're right about getting more time. But, I think they'd just like to get out. Now that they've lost control, they are anxious to get it back on some level.

Thanks all for your comments!

Sep 10, 2009 05:52 AM

I Need Your Help. My Home Was Foreclosed On. I Have 5 Days.....

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