Photo of Terry and Cyndy

Terry Cummings, GRI, CRIS
Broker, Auctioneer
541-517-5960 cell
tcummings@remax.net

Cyndy Sparks, GRI, ABR, CRIS
Broker
541-729-8381 cell
csparks@remax.net

541-984-5434 fax

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9 Ways To Avoid Foreclosure

If you have missed more than three mortgage payments, or your lender has filed a Notice of Default (NOD), you might think the loss of your home is inevitable. Even at this stage, there are five strategies you can use to stop the foreclosure process.

REINSTATEMENT: Bring the loan current.

FOREBEARANCE: Temporary repayment plan.

REFINANCE: New loan with reduction in monthly payments.

LOAN MODIFICATION: Modify original loan terms.

SELL THE PROPERTY: Use equity to payoff or pay difference.

RENT THE PROPERTY: Must make loan current.

SHORT SALE: Negotiate with bank to accept sale under loan amount.

DEED IN LIEU OF FORECLOSURE: "Friendly foreclosure."

BANKRUPTCY: Will stall foreclosure but not prevent it.

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