Are you reading headlines like these?
Recently, in Tracy, we had a house fire that happened the day before they were to be evicted. I know it sounds suspicious, but it saddens me that we as people could judge them without knowing all the facts:
- the bank technically owned the home already.
- their home insurance won't cover them because they did not "technically" own it.
- a Foreclosure notice was posted on their front door for seven days & was not removed.
- the notice was found still on the front door of their burned house.
- their whole family was in the house when it was started.
What's my point? How can we help, as realtors in this industry, get the word out to homeowners; 
"We can help them with some possible betters solutions than just plain losing your house to foreclosure"?
- Call your mortgage lender(s) & ask for a loan modification...
- Call your mortgage lender(s) & ask for a "deed in lieu of foreclosure"...
- Call your realtor of choice & ask them to help you sell the home in a "short sale"...
I just feel for the potential clients out there that do not even know they are in foreclosure. Let's reach out to them.
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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
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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.
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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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One of the steps in a default situation is denial and it can really ruin someone's chances of keeping their home or losing it. It really depends how much and how long that denial lasts. If it is only a few days and they call and ask for help, we usually can. But, a lot of times the situation is that they are denial way to long, won't listen or ask for help and they end up losing the house as well as their credit.
This was a sad situation that happened to them and I'm glad no one was hurt, but maybe had they not been in denial someone could have helped them before they every would have gotten the notice.