Avoiding Foreclosure Sedona AZ

Anyone with a foreclosure on his credit record is not going to be able to meet the requirements. It could well be nearly impossible to get a home mortgage for years into the future. This makes it imperative that you take the steps to avoid foreclosure now.

Hector S Haro
(800) 866-3542
Bloomington, AZ
Agency
(foreclosureera)
Average Home Size
Usually sells 3 Bedrooms
Average Home Price
Average Sales Price: 206k (22k - 875k)

Jerry W Lawson
300 E OSBORN RD
PHOENIX, AZ
Specialties
Real Estate, Bankruptcy, Foreclosure
Education
University of Arizona,University of Iowa
State Licensing
Arizona

Daniel R. Gukeisen
(602) 265-3822
W. 1st Street
Tempe, AZ
Specialties
Bankruptcy
Secondary Specialties
Chapter 11, Credit Disputes, Personal Bankruptcy, Credit Restoration, Chapter 13, Debt Relief, Foreclosures, Chapter 7, Credit Repair, Business Bankruptcy
Education
Juris Doctor, University of South Dakota, 1999
State Licensing
Arizona.

Data Provided by:
Diane L Drain
(602) 246-7106
1702 W Camelback Suite 264
Phoenix, AZ
Specialties
Bankruptcy, Foreclosure
Education
U OF A
State Licensing
Arizona

Charles M. Leftwich
(480) 227-1237
9590 E. Ironwood Square Dr.
Scottsdale, AZ
Specialties
Bankruptcy
Secondary Specialties
Collections & Repossessions, Personal Bankruptcy, Chapter 11, Chapter 13, Garnishments, Debt Relief, Foreclosures, Creditor Harassment, Chapter 7, Credit Restoration, Business Bankruptcy, Credit Repair, Credit Disputes
Education
B.A., Brigham Young University, 1991
State Licensing
Arizona and California

Data Provided by:
Russell A. Nevers
(480) 633-8100
1423 South Higley Road, Suite 110
Mesa, AZ
Specialties
Employment, Lawsuits & Disputes, Foreclosure
Education
Creighton University School of Law
State Licensing
Arizona

Luke Reynoso
(480) 355-8315
8765 E. Bell Road, Suite 210
Scottsdale, AZ
Specialties
Estate Planning, Foreclosure, Tax, Trusts
State Licensing
Arizona

Michael T Denious
350 E VIRGINIA AVE STE 100
PHOENIX, AZ
Specialties
Real Estate, Commercial, Litigation, Foreclosure
Education
Arizona State University,Purdue University
State Licensing
Arizona

Kaveh Mostafavi
(480) 540-3815
301 East Bethany Home Road
Phoenix, AZ
Specialties
Bankruptcy
Secondary Specialties
Credit Disputes, Credit Restoration, Debt Relief, Garnishments, Chapter 13, Credit Repair, Creditor Harassment, Foreclosures, Personal Bankruptcy, Chapter 7
Education
Juris Doctor, Drake University School of Law, 2007
State Licensing
Arizona

Data Provided by:
Carlene Simmons
(877) 245-2098
101 N. First Avenue
Phoenix, AZ
Specialties
Bankruptcy
Secondary Specialties
Chapter 13, Foreclosures, Collections & Repossessions, Creditor Harassment, Garnishments, Chapter 7, Personal Bankruptcy, Credit Repair, Debt Relief
Education
Juris Doctor, University of Arizona James E. Rogers College of Law, 2002
State Licensing
Arizona

Data Provided by:
Data Provided by:

Avoiding Foreclosure

Are you facing possible foreclosure of your home mortgage? 1.5 million homeowners in the U.S. are facing that problem. If you are one of them you need to quickly learn all you can about how to avoid foreclosure. Yes, certainly, it can be done. Many thousands, even hundreds of thousands of people have already done so. This article shows you the right track to avoid foreclosure yourself...

If you are about to miss a mortgage payment on your home, you already know that you are in a bad position. It happens to people for many different reasons. Maybe you lost your job, had large medical bills, had your interest rate increased, face payments higher than you can make... whatever. These things happen.

If it happens to you, you have two options: 1. you can educate yourself, learn how to avoid foreclosure, to navigate the rough waters that are coming and learn how to stay afloat. Or, 2. You can do nothing and expect to get washed away by the tide of coming events.

So life has handed you a crisis. Well? That happens to people all the time. Some go under, some survive. Which do you want to be? You are at a critical time in your life. The choices you make, either by doing something or by default, will make a tremendous difference in your future. Your problem won t go away. Face it squarely and deal with it.

The good news is that it s now much easier to negotiate solutions. There is an old saying that goes, If you owe the bank $100 and cannot pay, you are in trouble. If you owe the bank $100 million and cannot pay, the BANK is in trouble! That is very true today. That works to help you avoid foreclosure.

How s that? You say you only owe the mortgage lender $300,000 so how does that help you? Well, there are 55 million home mortgages in the U.S.; 2.8 of them (1,540,000) are in default. If your mortgage lender has another 350 or so loan clients like you with $300,000 problem loans, then in total the lender has a $100 million+ problem!

Your lender is in trouble too. He wants to collect his money. He doesn t need another house to sell. That makes it easier for you to negotiate a workable solution and to avoid foreclosure.

Your key to finding a good solution to your problem will be to get out in front of it. Be PRO active, take charge. Don t just RE act to outside events. This is your problem and your home. Take charge and make sure YOUR interests are protected with the best deal possible.

First, you need to do all you can to educate yourself, learn all about the various options you have to avoid foreclosure. You have the most to lose or to gain. It s YOUR home. No one is going to be more concerned about your success, your financial survival, than you will be.

Learn the provisions of the laws in your state regarding foreclosures. How does it work where you are? What legal options do you have? How much time do you probably have?

Survey your local home market. How many foreclosed houses are on the market? Are they moving, being sold? How many foreclosed homes are for sale in your neighborhood? Knowing that will be a tremendous help in negotiating a new deal to avoid foreclosure.

Make it your business to become familiar with all of the various options, all the ways to avoid foreclosures.

Second, talk with your lender. In actuality, you are both in this situation together. You may have different goals but you share common interests. Neither of you wants you out of your house and that house up for sale in a weak market. There is a strong mutual interest basis for re negotiating, finding something that will work.

Going to the mat and going through a foreclosure is the LAST option you want to permit. If that happens your credit is ruined for 7 10 years. The easy money situation that got your lender into their present problems is not likely to be repeated anytime soon.

Much tighter loan requirements are coming. Expect lenders to require loan applicants to have: A. Excellent personal credit, B. 10 20 cash down and C. Secure income with disposable after tax income of 2.5 3 times annual mortgage payments.

Anyone with a foreclosure on his credit record is not going to be able to meet the requirements. It could well be nearly impossible to get a home mortgage for years into the future. This makes it imperative that you take the steps to avoid foreclosure now.

You have many options. There are many alternatives. Get started as soon as possible, educate yourself quickly, find the best option for you, and take it.

For more on how to avoid foreclosure, and how to learn what you need to know, follow the links below...

For detailed info on how to avoid foreclosure: http://avoidforeclosure-site.com For foreclosure solutions that work: http://avoidforeclosure-site.com/Foreclosure-Solutions.html To prevent foreclosure: http://avoidforeclosure-site.com/Prevent-Foreclosure.html George W. Chavez- foreclosure researcher



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