An article just came out today about the top foreclosures around and how there is no slowdown of them. Stockton has the highest delinquency rate at 7,116 total filings during a three month period. That equates to 1 in every 31 households. That is pretty startling. It isn't hard to believe since we drive around and see so many dead lawns. Chances are that we all know someone behind on their payments and maybe doesn't know their options.
Pre-Foreclosure Steps to Help:
- First, you must call your lender and be honest and see if they will work with you.
- Second, if you don't want to stay in your home anymore or cannot afford to, see if the bank will let you do a "Deed in Leiu of Foreclosure".
That is a lot to do already, come back here to see what to do next or call me at 209-321-6122.
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If you are thinking of buying or selling a house in Tracy, Ripon, Manteca, Mountain House, Stockton, Modesto, Lathrop or Salida, call me at 209-321-6122 or email christina@christinaoneal.com
DISCLAIMER - TERMS OF USE - PRIVACY POLICY - CONTACT POLICY - MARS DISCLOSURE
Disclaimer: The information provided on this website should not be constituted as legal advice. The content is intended to provide general information about the short sale and foreclosure processes, and should not be acted upon without the counsel of a qualified REALTOR®, attorney, and tax expert.
Federal Government Disclaimer (MARS):
1. You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance we obtain from your lender [or servicer]. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us commission as agreed to in listing contract for our services.
2. Christina ONeal of Crown Key Realty is not associated with the government, and our service is not approved by the government or your lender; and
3. Even if you accept this offer and use our service, your lender may not agree to change your loan.
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