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10 result(s) displayed (1 - 10):

July 12, 2011

Strategic Foreclosure

"Strategic foreclosure" is the newest phrase circulating throughout the media. It refers to homeowners who elect to walk away from their underwater mortgage even if they can afford payments. As property values continue to decline, experts predict many homeowners will elect to walk away.

The problem with strategic foreclosure is walking away does not give homeowners immunity from paying their mortgage. In fact, those who engage in this strategy could end up owing money on property they no longer own.

Real Estate Investing article on "Strategic Foreclosure "

March 17, 2011

House Foreclosure

If you're facing house foreclosure chances are you are uncertain of what to do. No one wants to lose their home, but sometimes there are no options left besides throwing in the towel. Believe it or not, even if you cannot save your home you can overcome this hurdle.

Let's face it. House foreclosure is scary. Not only do you lose a valuable asset, foreclosure has a tendency to strip away confidence and often leaves people feeling like a failure. As one who frequently talks to people facing tough decisions, I almost always recommend sitting down with a calculator and figuring out if saving your home is worth the effort.

Real Estate Investing article on "House Foreclosure "

December 01, 2010

Mortgage Loan Modification

A mortgage loan modification can help borrowers facing temporary financial setbacks, but able to afford future home loan payments. Loan modifications do not reduce the principal amount owed on the loan. Instead, the terms are extended or the interest rate is reduced.

Applying for a mortgage loan modification can be a time-consuming process. Borrowers must first contact their lender to determine if they qualify for a loan modification. Banks require borrowers to fill out a request for modification and affidavit (RMA) form to evaluate borrowers' financial status.

Real Estate Investing article on "Mortgage Loan Modification "

July 12, 2010

Homes in Foreclosure

The number of homes in foreclosure is expected to reach 4 million by the end of 2010. According to Bloomberg Business Week, more than 7 million homeowners have already fallen victim to America's real estate epidemic which has led to declining property values and lack of new home sales across the nation.

Homes in foreclosure affect more than those who lose their house. Entire communities pay the price. Real estate prices drop dramatically in areas hit hard by foreclosure. Homeowner's association fees rise to compensate for evicted property owners. Communities lose funds normally acquired through property taxes. Local governments are forced to make budget cuts to public services and education.

Real Estate Investing article on "Homes in Foreclosure"

July 10, 2010

Loss Mitigation

Loss mitigation is a banking division that handles delinquent accounts. Employees of this division are known as loss mitigators. Their primary job function is to work with borrowers that have fallen behind with mortgage payments and devise a payment plan that keeps financial losses to a minimum.

Loss mitigation handles a variety of real estate transactions including loan modifications, mortgage refinance, pre-foreclosure and foreclosure, mortgage forbearance, real estate short sales, and deed in lieu of foreclosure.

Real Estate Investing article on "Loss Mitigation"

February 22, 2010

Real Estate Short Sale

A real estate short sale is a type of agreement sometimes offered by mortgage lenders to borrowers who have fallen behind on home loan payments. In order to obtain short sale approval certain eligibility requirements must be met. While short selling offers financial relief to borrowers, it might not be the best strategy.

The real estate short sale process can take between three to six months to complete. The first step involves contacting the bank loss mitigation department. In addition to handling short sale real estate, loss mitigators also work with borrowers to obtain loan modifications, mortgage refinancing and deed in lieu of foreclosure transactions.

Real Estate Investing article on "Real Estate Short Sale"

February 11, 2010

Real Estate Short Sale

Real estate short sale refers to a type of agreement offered through mortgage lenders to borrowers who are facing foreclosure. The term 'short sale' means lenders agree to accept less than the full balance owed on the home loan. While this option can offer homeowners financial relief, short selling might not be the most viable option.

Obtaining approval for real estate short sale can be a painstaking process. Lenders are not required to offer the option to short sale properties, nor is it available to all borrowers. Homeowners who have already entered into the foreclosure phase are ineligible for short selling. Borrowers who have accrued equity or possess financial portfolios or investments that could be sold to cure mortgage arrears will not qualify for the short sale process.

Real Estate Investing article on "Real Estate Short Sale"

May 05, 2008

Short Sale

Some mortgage lenders offer short sale real estate transactions to borrower's who have defaulted on their loan. In a nutshell, lenders allow borrower's to sell their property for less than is owed on it - hence the name, 'short sale'.

Short sales provide borrower's with an opportunity to sell their property and get out from under their loan. When negotiated properly, short sales allow the homeowner to walk away from the property, salvage what's left of their credit, and avoid foreclosure.

Real Estate Investing article on "Short Sale"

December 03, 2007

Realastate

Although the realastate market is currently in a slump, experts predict it will rebound in the near future. Savvy investors know now is the time to get in on great real estate deals that can yield plenty of profits in the future.

If you are just starting out in the realastate game, you will want to learn all there is to know before shelling out your hard earned cash. There are numerous types of realastate investments including houses, apartment buildings, condos, retail centers, office buildings, undeveloped land and real estate investment trusts (REIT).

Real Estate Investing article on "Realastate"

September 26, 2007

What is a Short Sale?

'Short sale' is a real estate industry term used when a lender accepts a discounted payoff on a mortgage loan. Short sales offer homeowner's who have defaulted on their mortgage an opportunity to sell the home for a lesser amount than is owed and avoid foreclosure.

Not all lenders are willing to engage in a short sale. Those who do, generally have their own set of procedures. Some may require the Seller to work with a real estate agent. A few will accept the short sale as full payoff, while others will require the Seller to pay the difference between the short sale and the original amount of the loan.

Real Estate Investing article on "What is a Short Sale?"