Avoid Foreclosure Houston Tx

Stop Foreclosure in TexasThe first thing that you should know about foreclosure in Houston TX is that the process can be stopped. Many homeowners are forced into thinking that once their home enters foreclosure that they should give up the property to their lender. Banks and mortgage lenders know how to intimidate you and are rarely challenged during the foreclosure process. We provide the accurate information and expert assistance that you need for how to Avoid   Foreclosure in Houston TX  and start living a normal life again. There are many ways we can help you stop the foreclosure process depending on what phase of foreclosure you are battling.

Refinance Your Mortgage
You might have equity built up in your home that you can use to refinance your mortgage. There are several things that mortgage lenders and banks consider during a request to refinance. Your credit rating, past payment history, age of the mortgage and the current value of your home are just a few of the elements considered.

Mortgage Forbearance
Your mortgage agreement could include a section about forbearance of payments. This solution allows you to extend the time available to pay the full amount that you are behind on your mortgage. When your mortgage lender or bank grants forbearance, you can delay the foreclosure process and work to payback late payments without missing new payments. Special criteria are used for granting forbearance.

Mortgage Reinstatement
When your home enters foreclosure, your mortgage is modified to allow your bank or mortgage lender to take your property. Arranging a mortgage reinstatement could restore the original mortgage and allow for late payments to be paid in one lump sum to avoid foreclosure. An analysis of your mortgage documents could reveal that you are eligible for a mortgage reinstatement.

Deed in Lieu of Foreclosure
This method could allow you to avoid the entire foreclosure process no matter what phase you have entered. If your lender approves of this method, you hand over the deed of your home to your lender in exchange for avoiding the foreclosure process. This will eliminate any negative judgements on public record against you that hurt your credit.

Short Sale
When you owe more on your mortgage than what your home is worth, your lender could agree to accept a short sale. Your bank or lender will consider the hardship that you have experienced in repaying your mortgage. The sale of your property does not negatively affect your credit and will make you eligible for a new mortgage unlike the after effects of filing bankruptcy. You need to Find a Certified experience professional that is staffed fully like The Houston Short Sale Specialist.com

Property Rental
This is a lesser known method that can help you avoid the foreclosure process by transforming your home into a rental property and allowing a tenant to pay your mortgage. The amount of rent payments received could be enough to repay back mortgage payments and reinstate the normal monthly payment process.Make sure to Hire a full time Property manager like Realty Right which is fully staffed for stress free property management

These solutions represent a portion of what our foreclosure specialists can do for you to help you stop foreclosure in Florida. We help you avoid foreclosure by doing two things very well. The first is that we help educate you on all of your options to make you a smarter homeowner when battling your bank or mortgage lender. The second thing that we do is work quickly to find the best solution to help you avoid foreclosure. Call us toll free at 1-800-589-4106 and let us help you stop your Florida foreclosure today.

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Avoid Foreclosure in Jacksonville Florida

Learn How to Avoid Foreclosure

Have you found that due to unfortunate or unforeseen circumstances, you are unable to make your mortgage payments and need to know how to avoid foreclosure?  Lenders don’t want to foreclose on your property, but in protecting their interest, they may have no other choice if you do not respond to their calls or letters.  The key to how to avoid foreclosure is to communicate with your lender, so they won’t file a default notice.  Once the lender has filed the notice of default, you will only have 20 days in which to respond and stop the foreclosure.  If you don’t respond, you will be found in default, and the foreclosure process will begin, and eventually your home will be sold at auction.

How to Avoid Foreclosure Tips

If you start communicating with your lender, he may offer you several options to help you avoid foreclosure.  Listed below are some alternatives to foreclosure:

  • Catch up the delinquent payments, plus any interest that is owed.  This option is often difficult, because homeowners who get behind due to unforeseen circumstances causing financial hardships don’t usually have the resources to catch up their payments.
  • Repayment plan is another alternative to foreclosure.  If your credit has been good prior to this event, your lender may modify your loan so that an additional amount, such as $100, is added to your current payment each month until the amount is arrears is caught up.  This plan can only work if you are currently employed.
  • Another alternative to foreclosure is a loan modification, when your current financial hardship has made it impossible to make your full payments.  This option is when your lender agrees to restructure your loan, making it more affordable.  Sometimes this process includes a reduction in the principal or rate, or it can include a payment reduction for a specific period of time; however, you must make your payment on time.  The government has several loan modification programs available, which can be found on the Internet.
  • If you are currently employed and your credit has been good prior to your default, you lender may offer to refinance your loan by adding the arrearage to the new loan.
  • Another step in how to avoid foreclosure is to consider a short sale and discuss this with your lender.  A lender will sometimes consider a short sale if your mortgage is higher than the actual value of your home.  Your home will not go into foreclosure, and you are able to pay the agreed to amount of the short sale to your lender.  In most cases, you will not be responsible for the remainder of the mortgage.  This option will affect your credit score much less than a foreclosure would, and it is a much faster and easier process for your lender and for you.
  • Another alternative to foreclosure is a deed in lieu of foreclosure.  This process is when you actually give your deed to your lender, which relieves you of the remaining debt on your mortgage.  This will stop foreclosure, and you won’t have to go through the stressful court process.  This process will not affect your credit score in the way that a foreclosure would and allows you to repair your credit and your financial condition much quicker.

Communicating with your lender and discussing the ways on how to avoid foreclosure is the easiest, quickest and less stressful way to get back on the road to financial recovery!





Foreclosure in Florida Requires Judicial Review

The process of foreclosure in Florida is a judicial process. This means that your mortgage lender must go through the court system in Florida before foreclosing on your property. The Florida foreclosure laws are written into the state legislature to prevent mortgage lenders from taking your property without disputed action. A Florida judge reviews the initial filing by your mortgage lender. The approval process grants foreclosure on your property.

Any claim that is made to dispute foreclosure goes through the court system. This judicial review process protects you when you do not agree with the decision your lender has made when you are notified of foreclosure. If you do not dispute foreclosure, a Florida judge will outline the process that a mortgage lender must follow to begin foreclosure. A public notice must be made by your bank or lender to serve as the first phase of the foreclosure process.

Maximum of 180 Days Before Foreclosure Completion

The judge that hears the initial foreclosure filing sets the time limit for completion. The normal time limit given is 180 days or less from the start of the process. This means that you have a short amount of time to avoid foreclosure by disputing it or taking other prevention measures. Mortgage lenders and banks typically start the foreclosure process as early as possible. The judicial review process provides much needed protection for you. You can seek help from attorneys or organizations to help stop foreclosure.

Florida Foreclosure Laws Property Right of Redemption

You are given the right if a lender sells your property at auction to dispute it. The right of redemption is the last phase of the judicial review process. The redemption period usually ends 10 days after the sale is made. A judge will review the sale price and make sure it is fair and legal. This gives you or other bidders a way to dispute the sale if you believe it was made unfairly. If you do not use your right of redemption, a judge will approve filing of a certificate of sale and transfer the property back to your lender.

Deficiency Judgments in Florida Foreclosure

Banks and mortgage lenders are given the right to pursue unpaid debts. There is no expiration period for this pursuit. You can be sued for the unpaid mortgage on your property. All unpaid debts are reported to major credit bureaus. This can make it difficult for you to get a future loan. A deficiency remains on your credit report until it is paid in full or a settlement is reached. Florida foreclosure laws allow banks and mortgage lenders to get a summary judgment against you.


Charles Webber

Nationwide and Blue  Anchor,

I wanted to send in a letter to say thank you for all your help in the difficult situation I was in with having to short sale my property.  You truly did an amazing job that I never could have done myself.  I want to give a special thanks to Pam for all her hard work as well.  After having two buyers fall through, it took an entire year from start to finish.  And that entire year I know Pam worked diligently to get the banks to agree to the short sale and eliminate my risk.  She was always very responsive to any inquiry I sent her and went above and beyond by helping with the condo association in reducing my fees owed to them saving me even more thousands of dollars.  She is amazing!  I will recommend Nationwide and  Blue Anchor to anyone that is going through this difficult housing crisis as I was.  Thanks to you, I can sleep much better at night now.


Jeff Owsiany

Jim Sullivan and his team at Nationwide Short Sales have enabled me and my team to focus our time and energies on our buyers and sellers, and not on the phone with the banks!  Their experience and expertise in dealing with the banks and negotiating the short sales take that off of our plate and allows us to do what we do best:  Sell homes!  The time that we save by leveraging allows us to obtain more listings, resulting in more buyer and more sales!   Anyone who is listing short sales should talk to Jim before taking their next listing!  Teaming up with Nationwide Short Sales will allow us to take an unlimited number of new short sale listings!


Joel Rico

I just closed my first short sale with Nationwide Short Sale Service, and I have converted from avoiding short sales, to seeking them out.  Nationwide handled all the difficult and potentially litigious pieces of my short sale, secured bank statements and tax records directly from my seller, and got extensions and ultimately approvals from Bank of America on a HELOC loan!

Since my client also had a great experience, and I didn’t need to spend 30+ hours dealing with the bank, this was definitely a win-win experience.   Naturally, as a Coach, each time a client sends a short sale to Nationwide, they now have extra time in their week to lead generate for another transaction.  Where else can you get a time saving service, at no cost, that produces better results than if I did it myself?

Robert Rogers

Melissa is doing great. I am now the envy of 40 agents on Facebook, they are dying to know how I got an interior BPO scheduled the week of thanksgiving 2 days after submitting the package, I’m telling them I can’t give away all my secrets that they have to talk to you!

Happy Thanksgiving!

Bill Leon

Please let me start by introducing myself. My name is Bill Leon, President of the Broward REIA, located in Southeast Florida. Our organization has been in existence since 2002. We provide a dynamic environment for all investors, from beginners to full time professionals, where all members and attendees have the opportunity to enhance their investing education, in addition to freely networking with all in attendance.

The main purpose of this letter is to provide a reference for Jim Sullivan. He has been a very supportive member to our association since its inception in 2002. His membership has been in good standing with us throughout the years. Mr. Sullivan is a dedicated professional and would be an asset to your organization and its members.

Please feel free to contact me with any questions or concerns.


Frank Alfieri

Melissa is on top of my files and sends me updates/asks for updates each week!

Works perfectly.

Tom Braunagel

I am in the process of using NationWide Short Sale services to help with negotiating the sale with my client’s bank.  Jim and Pam have taken over the short sale process by inserting themselves in between the bank and my clients.  They are committed to updating me weekly and my clients, which helps me add a unique touch during the listing and closing process.  As no short sale is unique, they are committed to doing what is right for our client in keeping with the Keller Williams culture and makes it very easy to work with them.

Inserting Pam and Jim into the short sale process takes away the frustrations in dealing with a short sale and ideally turns a short sale into a conventional deal for agents.  I recommend Pam and Jim and their service to others.

Thank you.


Laura Treonze

“My client is currently using Nation Wide Short Sale, and it has not been an easy short sale to negotiate. She has been very pleased with Nation Wide’s follow-up and communication in this difficult process. We look forward to a smooth closing.”


Best wishes,


Judy Borgailo

Hi Jim:
This is just a brief note to let you know how much I appreciate your service and how happy I am that you were referred to me.

After trying to get short sales done either by myself or with the help of the title company, this was truly a relief to have you and your team working for my customers.  The package is clear and concise so you have everything you need up front, the response by your team is immediate and I am amazed that on everyone of my short sales sent to you, the BPO was ordered and done within 10 to 11 days after you received the entire package.

The fact that you are there for us and willing to help is so important.  I have really broadened my knowledge of short sales because of the willingness to share information so pertinent to this subject.

Thank you again for all your help and I would recommend Nationwide Short Sale Services to any all realtors who are looking for good service and fast results.




Jesse Touchette

Thank you Pam, you guys did exactly what you said you were going to do!!! You guys are the best!!! Thank you for making a bad situation better.

Please feel free to use me as a reference.

Jesse Touchette
Outside Sales Miami
Hydradyne Hydraulics



Amir Idan

Yay! You rock Pam!!!

Send my regards to the rest of the team please

I can’t thank you enough for a job well done!

All the best,

Amir Idan


Laura Turco

Pam & Melissa,

Thanks so much to you and the whole Blue Anchor team for their hard work in negotiating this short sale with CitiMortgage & SunTrust.  I greatly appreciate being out from under this after three long years of trying to work something out with CitiMortgage.  It is heart-breaking that the buyers got this property for less than we had put down on it to begin with, however, we have pulled up our bootstraps, so to speak, and are moving forward, not looking back at the financial loss … it is an unfortunate sign of the current times.  I am very thankful that we didn’t have to proceed through a foreclosure which would’ve hung over my head for years to come.

Thank you for the information about credit cleaning.  I will check it out.

Thank you for the reassurance that you have shredded all my personal information.  I intend to shred the whole box I have as well, now that closing is over and the buyers have moved into the property!

Thanks again for the professionalism with which you handled my case.


J. W.

My thanks and appreciation to Nationwide Short Sale Solutions, Blue Anchor Advisors and the Miller team!  You guys are consummate professionals in every way.  I applaud your skill, knowledge, attitude, professionalism, and effectiveness.  I  would recommend your organizations at any time!!

Pam, pass on my sincere appreciation to Melissa and Jim.



Denise McKinley

Pam and Jim

I wanted to take a moment and thank you and everyone else at your company for all the assistance that you provided in getting this property closed out. This was definitely a difficult one, but with your efforts we were able to get it completed.

Thank you again for all the help that you have been in this file and each and everyone that we’ve given to you guys. You have proven to be one of the best negotiators in the short sale world and it’s great to have you on our team.

Best Regards,


Amador Lopez

Thank you very much.  All of you.  For your patience, for your perseverance and for your professional doing.  It has been a long process, but you have done a great job.  My apologies for the pressure that, out of my personal frustration, I may have put on any of you.

Thnx again and very Merry Christmas.  God bless.

A member of our team will be contacting you shortly!



Fore more information on Foreclosure laws and guidelines, please see our sitemap.

The Florida foreclosure process is written into Florida law and is difficult to comprehend without assistance from an attorney. Mortgage lenders and banks know that foreclosure is confusing and that homeowners have few resources to use for finding out the actual steps of the process. We are here to help you avoid foreclosure and to get a better understanding of the Florida foreclosure process.  Every county in Florida follows a similar path of the foreclosure process, but one or more counties could differ from this overview. Our specialists will inform you if your county is different after some basic information is gathered from you.

Steps in the Florida Foreclosure Process

1. Notice of Default

When you fall behind on your mortgage payments, your bank or lender will notify you by phone and by mail of the default. Your mortgage documents could specify a time frame that your lender uses to establish a notice of default. You will be asked in the communication to catch up on your late payments by a given due date.

2. Complaint is Filed

If the time to repay the overdue mortgage payments has passed, your bank or lender will typically file a notice with the county clerk. A document known as a foreclosure action will be filed usually 30 days after the initial notice of default. This document is public information and announces the notice of default.

3. Process Service

This is your official notification of the pending foreclosure hearing for your property. It is usually delivered to you by a sheriff or appointed process server in the typical Florida foreclosure process. You have a limited amount of time to respond, file a motion of defense or dispute the default before the date of the foreclosure hearing in court.

4. Motion for Summary Judgement

When the time frame has lapsed to file a motion or response against the default, your bank or lender will move forward and try to seek a summary judgement against you. This is a legal maneuver that requests on paper that the courts award your lender or bank exactly what is asked for in the complaint.

5. Summary Judgement Hearing

A date for a judge to officially hear and decide on the motion for summary judgement will be scheduled between 30 and 180 days after the motion is filed. If you do not raise awareness or contest the initial complaint made by your lender or bank, the court date will proceed as scheduled with or without you appearing in person.

6. Actual Sale of Property

A judge will rule in favor or not in favor of your mortgage lender or bank during the scheduled court date to hear the motion for summary judgement. In a majority of cases, a judge will side with your lender or bank and schedule the actual sale date of your property. Each county has specific time frames for a completion of the sale.

7. Property Title Transfer

When no objections prevent the transfer of the property title, your bank or mortgage lender will receive the title unless a third party purchases the property. This is the last phase of the Florida foreclosure process and you will officially be evicted according to state law.

Our experienced foreclosure experts can help you during any stage of the foreclosure in Florida process. You should know that each day you delay getting help is one day closer to your bank or mortgage lender taking your home. Call us at 1-888-632-8832. We can help you stop foreclosure today.

Topic: Florida foreclosure process

When you are facing losing your home, your entire world is turned upside down. Avoiding foreclosure is not impossible and there are many solutions that can help prevent this ruthless process from destroying your personal life. One settlement solution is known as a deed in lieu of foreclosure. This instrument was written into federal foreclosure laws to provide you with a negotiation method to stop foreclosure when your bank or mortgage lender is working behind the scenes to try and take your home through a long and expensive legal process.

Your home is considered collateral property. When you become a signatory to a mortgage or loan, the collateral property can be repossessed or transferred to another mortgage company. The advantages to having a deed in lieu of foreclosure gets you out from under an overdue mortgage. You give your lender back the keys to your property in exchange for walking away free and clear from your mortgage. Many homeowners are avoiding the debt that foreclosure brings to their personal finances by doing a deed in lieu of foreclosure.

Process for Deed in Lieu of Foreclosure

The process begins with a written agreement to your lender. Anytime that you are trying to avoid foreclosure, you must put requests in writing to start a paper trail with your bank or mortgage lender. Upon receipt of your written agreement, a lender will approve or deny the proposition for a grant or warranty deed. With expert assistance, a lender can and will accept an offer to transfer back the property and avoid expensive legal fees and collection costs that come with foreclosing on a property.

You can save your credit rating from being damaged for 7, 10 or 25 years by taking advantage of what a deed in lieu of foreclosure offers. The negotiation process is important and not every lender is willing to report positive information to credit bureaus when debt is not paid. If you are not qualified to take advantage of transferring your deed to avoid foreclosure, there are other options that you have available that can still get you out of your mortgage without ruining your credit rating.