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Posts tagged "foreclosure"

Don't let your HOA lock you out of your home

The Orlando area -- as well as the entire state of Florida -- is full of homes governed by a homeowners association. If you own a condo, townhouse or other home that is part of a subdivision or planned community, you know that there is significant value in having another party responsible for the upkeep of common areas and shared amenities, not to mention the protection of your home's property value.

Short sale or foreclosure -- which is the better option?

If you're struggling to pay your mortgage every month or have already missed several payments, you may be wondering what will become of your home and how much longer you can afford to hold on to it. Unfortunately, unless you have a realistic expectation of a financial windfall or a significant salary increase, you may soon find yourself asking not how to keep your house, but how to walk away from it with the least amount of financial baggage.

Filing for bankruptcy will stop the home foreclosure process

When an individual or family sits down to consider bankruptcy as an option to stop a financial downward spiral, that individual or family may not be fully aware of how a bankruptcy filing will impact the home foreclosure process. The thought of home foreclosure under any circumstances can be a frightening prospect, but this prospect can often be avoided by filing for bankruptcy. It is important for Florida residents considering bankruptcy to understand the how bankruptcy filings affect home foreclosures.

Statute of limitations halts home foreclosure action for some

A notice of foreclosure can strike fear in the heart of any home owner. For many in Florida, the crush of home foreclosure actions that came as a result of the recession meant many homeowners found it impossible keep a roof over their heads. However, for some Florida homeowners, that crush has meant the statute of limitations has run out, and some may be able to stay in homes for which they quit paying the mortgage.

Bankruptcy can help homeowners avoiding home foreclosure

Not being able to pay a mortgage or make the payments on a second mortgage can lead to fear and anxiety for any homeowner. Florida homeowners may be interested to learn how filing for bankruptcy can help in avoiding home foreclosure altogether. The type of help available and the right options for keeping a home vary according to each family's unique situation.

Loan modification program extension may benefit Florida owners

Many homeowners found themselves on the verge of home foreclosure after the recession hit. Fortunately, the number of potential foreclosures has been reduced in Florida, thanks in part to federal programs aimed at helping struggling homeowners obtain loan modifications. These home loan modification programs were set to expire this year, but they have now been extended to the end of 2016.

Home foreclosure may make future ownership less likely

The threat of home foreclosure and the actual loss of a home can impact the financial future of a family. When the financial crisis began, many Florida families found home foreclosure to be the only option. New estimates have recently revealed data that shows that those who went through the home foreclosure process during the recession may be less likely to become homeowners again anytime soon.

Widow unaware of home foreclosure protection

When a spouse dies, the attending financial responsibilities and lack of knowledge about basic rights and protections can lead to confusion. Even worse, it can lead to financial disaster and possibly home foreclosure. For one widow, not understanding or being aware of protections her husband had put in place almost lost her home to foreclosure. Any Florida widows or widowers who are unsure of what protections may be in place for them or who may be unfamiliar with how home foreclosure works may want to follow the story.

Home foreclosure rates decreasing slowly in Florida

The onset of the housing crisis in the United States produced a record number of home foreclosures just years after homeownership numbers hit an all-time high. Florida was hit particularly hard when the housing crisis struck, and many homeowners were faced with home foreclosures and bankruptcy. Despite the bleak outlook over the last few years, home foreclosure numbers are looking better as more people seem to be getting back on stable financial footing.

Home foreclosure problem helped by Florida jobs

Florida has been dubbed ground zero for home foreclosures during the recession. The high rate of home foreclosure filings in Florida led to a terrible back log of homes that needed to be dealt with through the legal system. This high amount of vacant homes are finally filing back up, at least in one part of central Florida, and new job opportunities are cited as the reason why.

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