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What is the difference between a loan modification and a refinance?

Posted by Katherine R. Kyle | Aug 08, 2022 | 0 Comments

A loan modification is a modification of an existing mortgage loan.  The loan is modified with the purpose of allowing you, the homeowner, to remain in your home without a past due balance, allowing the foreclosure case to be dismissed.  The loan can be modified in several ways, and each individual loan is unique.  The ultimate goal of a loan modification is to reduce your monthly payment to enable you to keep your home with a monthly payment you can afford. 

How do I write a hardship letter for a loan modification?

Posted by Katherine R. Kyle | May 01, 2022 | 0 Comments

How do I write a hardship letter for a loan modification? A hardship letter is a personal letter that you write to your lender explaining why you fell behind on your mortgage payments and what has changed that will allow you to make payments if you receive a loan modification. There should be three basic components of your hardship letter.  With each component, be brief and be honest.  Lenders do not have time to read more than one-page letters from every applicant, so get to the point quickly and concisely. 

Should I buy a property at a foreclosure auction? 

Posted by Katherine R. Kyle | Dec 30, 2021 | 0 Comments

Should I buy a property at a foreclosure auction?  Proceed with caution. I received a call from a gentleman that recently purchased a mortgage foreclosure property.  After his purchase, he received a notice of foreclosure that he needed to pay $1,000,000 that was owed.  He said, “Didn't I get ...

How do I stop the foreclosure of my home?

Posted by Katherine R. Kyle | Dec 14, 2021 | 0 Comments

How do I stop the foreclosure of my home? There are several different types of residential foreclosure depending on where in the United States you live.  Each type of foreclosure has its own set of guidelines, and each is very different.  The main two types are non-judicial and judicial...

What do I do if a loved one, like a parent, passes away and they are behind on their mortgage and their home is in foreclosure?

Posted by Katherine R. Kyle | Oct 28, 2021 | 0 Comments

What do I do if a loved one, like a parent, passes away and they are behind on their mortgage and their home is in foreclosure? First of all, the bank has to be paid to stop the foreclosure.  However, in order to do this, you will need to probate the estate to gain legal ownership of the home. ...

Is the foreclosure moratorium over?

Posted by Katherine R. Kyle | Oct 16, 2021 | 0 Comments

Is the foreclosure moratorium over? Yes.  The Federal Foreclosure Moratorium expired at the end of July 2021 after nearly 17 months.  In Florida, Governor Ron DeSantis, ended the Florida Foreclosure Moratorium in September of 2020. 

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