Columbus OH – You may be in a situation where your
income dropped for a few months and then went back to normal.
During that time period, you got behind on your mortgage and other payments.
Don’t worry, this isn't a doom and gloom problem.
Click
here to discover how other sellers successfully did a short sale and avoided
foreclosure. columbusohshortsaleadvisors.com
Many people missed payments for up to 18 months and still kept their home. In
two cases that come to mind, their lender simply forgave the missed payments.
They started fresh with payments very close to their prior payments. In one of
those cases, the homeowner's payments were reduced by $1,000 a month.
The key is to convince your mortgage company that you can still afford your
home. You will need to prove a couple of things:
First, that the problem that caused your mortgage payment disruption was
clearly beyond your control. An example of this could be an illness, temporary
disability, or injury.
Second, you will need to prove that you are now in a good position to stay
current on your payments and make some progress towards repaying the unpaid
amount. (They sometimes ask for you to repay the missed payments over the
course of 6-12 months.)
You will need to convince your mortgage company that you’re back on your feet
financially. You need to show that you will be able to make your payments
without a struggle.
If you are in this situation, do not wait for your home to be sold without
exploring the options available to you. Please contact me for more information
on my free loan modification guide that will help you with a Forebearance or
Loan Modifcation.
Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an
e-mail at robin.lemmons@kingthompson.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 614-741-2495.
Discover how other sellers successfully completed a short sale and request a
free consultation by clicking
here. columbusohshortsaleadvisors.com
Thinking about a loan modification? Our Columbus loan modification kit has the
instructions you will need to get a loan modification approved with your bank.
Click
here to request a copy. columbusohshortsaleadvisors.com
Thanks for reading this, Rick and Robin Lemmons.
Rick and Robin is a Real Estate Team at Coldwell Banker King Thompson.
Phone: 614-741-2495.
robin.lemmons@kingthompson.com
A Zest For The Best
View My homes for sale at www.rickandrobin.com.
Rick & Robin Lemmons specialize in helping Columbus Homeowners short sale
and never pay the bank another penny. Columbus Loan Modification Help, Columbus
Short Sales, Columbus Short Sale Realtor. Columbus Short Sale Realtor. Columbus
OH Short Sales. Columbus Realtor. Columbus OH Short Sales. Columbus Realtor.
Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.
Important
Notice
Rick and Robin Lemmons, Coldwell Banker King Thompson, and the Stop Foreclosure
Institute are not affiliated in any way, shape, or form with the government.
Our services have not been reviewed or endorsed 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 Rick and Robin's personal views and do not reflect
the views of Coldwell Banker King Thompson.
This information on Columbus Short Sale Question: I Had A Temporary Income
Problem. Do I Still Need To Sell My Home? is provided as a courtesy to our
viewers to help them make informed decisions.
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