El Dorado Hills CA – The Stop Foreclosure Institute recently received a question from a homeowner facing foreclosure. I'll call him Dave to protect his identity.
(Foreclosure is embarrassing and I don't want to put his name out there.)
Dave asked, "I haven't made a house payment in a while. I'm just wondering how much longer it will be before I have to move out?"
Most people in foreclosure are at a disadvantage because they how the process works. Here is the answer to his question.
It all depends what on the state he is located in and whether or not his lender has started the foreclosure process. So the first thing you should do is find out if the foreclosure has been started.
You can do that by calling the courthouse in your county or town. for example, if you live in Orange County, then you would call the Orange County Courthouse. They will direct you to the correct person.
Once you find the correct people, ask them for the foreclosure department. Then, ask the clerk there how you can research if a foreclosure has been filed against you.
They will either direct you to a website, or look up the information on their computer. Here is why it is important to find out if the foreclosure has been started.
We have seen many lenders wait 8 months, 12 months, and sometimes even longer, to start the legal foreclosure process. Many of them are backed up and don't have the staff in place to handle everything.
Once the foreclosure has been started you will want to see how far along it is. Every state handles foreclosure process differently. In addition, they all have different time periods for redemption.
Because of that, I would recommend you contact a competent Stop Foreclosure Institute Specialist in your area. I am the local specialist for El Dorado Hills, California.
If you are located in California and want more information on the status of your foreclosure, then send me an e-mail at johnhayes@remax.net. I will contact you for a free consultation.
Or, if you prefer, then you can call me at 530-306-3316.
I can help you short sale your property and get back on your feet. Send me an e-mail at jbkhayes@gmail.com. I will contact you for a free consultation.
When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at 530-306-3316
Thanks for reading this, John J Hayes.
John J is a Real Estate Agent at RE/MAX Gold.
Phone: 530-306-3316. jbkhayes@gmail.com.
"Hard Work and Dedication"
View My homes for sale at www.johnhayesrealestate.com/home-search.
John Hayes specializes in loan modification assistance and short sales in El Dorado Hills California. El Dorado Hills Loan Modification Help, El Dorado Hills Short Sales. El Dorado Hills Short Sale Realtor. Sacramento CA Loan Modification Help, Sacramento CA Short Sales. Sacramento CA Short Sale Realtor. Folsom CA Loan Modification Help, Folsom CA Short Sales. Folsom CA Short Sale Realtor. Mather CA Loan Modification Help, Mather CA Short Sales. Mather CA Short Sale Realtor. El Dorado Hills CA Short Sales. El Dorado Hills Realtor.
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Important Notice
John J Hayes, RE/MAX Gold, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?
Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.
However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.
We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.
This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.
You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.
The views expressed here are John J's personal views and do not reflect the views of RE/MAX Gold.
This information on El Dorado Hills Foreclosure Prevention: My house is in foreclosure. When will I have to move out? is provided as a courtesy to our viewers to help them make informed decisions.
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