Chula Vista CA. Are you Facing Forclosure?

FOR IMMEDIATE RELEASE
Chula Vista, California, United States of America (Free-Press-Release.com) December 8, 2011 -- Chula Vista & Eastlake CA – What can you do if you are facing a foreclosure? One of the scariest and worse case scenarios for a homeowner is getting so far behind in your payments that foreclosure is leering around the corner. You feel as though you have let everyone, yourself included, down. You feel embarrassed, even if you aren’t actually holding the papers yet. So now what?

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Here are a few tips to help you out:

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Chula Vista CA. Are you Facing Forclosure?

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http://www.chulavista-shortsales.org

1.) First off if you’ve been getting letters “threatening “ foreclosure you need to step up and take action. Ignoring them until you actually get the foreclosure papers sent to you will not make it go away.

2.) It’s time to sit down and figure out how far behind you are and if it is truly realistic to catch up your payments. You have to be real and honest with yourself about your situation and figure out a realistic budget to work with. Thinking that “oh I can do this, I just have to cut out my $5 latte every morning and make up the money” is not a realistic option that will get you out of the situation. Be realistic and figure out exactly how much you can budget each month for the necessities and the small extras. If you haven’t noticed, this entire step has used the word “realistic” and that’s the exact word you have to keep in mind.

3.) You have to realize and keep in mind that, in all honesty, the last thing your lender probably wants is to own your home. They are in the money business, not the home owning business. If they are forced to take over the home they’re also faced with everything a “homeowner” is faced with; such as all of the maintenance, upkeep, heating bills, air conditioning bills, all of the utility bills and more. This comes down to one thing, they really don’t want to take your home and would probably much rather work with you to make realistic arrangements in helping you keep your home.

4.) Do not avoid your lender. Call them and start to see what can be done to stop the foreclosure. Once the actual foreclosure begins it’s very hard to stop it; so you want to make sure you contact them immediately. If you reach a person that you simply cannot deal with and takes the approach of scare tactics and put downs, then immediately request to speak to their superior. You deserve to be treated with respect throughout the entire process and demand such.

Once you start talking to the financial agent you may find they have many options in place to help you. You are not the first person they’ve had who was in the position of possible foreclosure and you won’t be the last. Thinking about a short sale?

I can help you short sale your property and get back on your feet. Send me an e-mail at mikekwcv@gmail.com. I will contact you for a free consultation.

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (619) 743-8884

Thanks for reading this, Mike Watson.

Mike is a Real Estate Agent at Keller Williams Realty. Chula Vista Short Sales Realtor:

Phone: (619) 743-8884. mikekwcv@gmail.com.

View My homes for sale at www.sellingchulavistahomes.com.

Mike Watson specializes in short sales in Chula Vista California. Chula Vista Loan Modification Help, Chula Vista Short Sales. Chula Vista Short Sale Realtor. Chula Vista CA Short Sales. Chula Vista Realtor.

More information can be found online at http://www.chulavista-shortsales.org

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