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The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. It was a very long road to settle the 2nd mortgage.

But the conversation of stopping payments has come up numerous times.. Or if Fannie ever approves principle reductions.... I think we might be eligible for a loan via the Back to Work program in the personal loan com next year or so (not sure if it will still be around) but I fear we will have to still deal with the underwater situation on our loan...

If we were to want to move we would definitely try and sell and make a profit. I personal loan com would honestly consult with a real estate agent before deciding anything.

I guess we personal loan com will keep riding it out and see if it improves.

I think we are looking to get approved for a new mortgage and then rent this home out. Another part of us wants to stay and just remodel, but how could we do that? Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

Not that I think I can get what I need to get out, but I keep going back and forth with the idea of listing it again to see if it would sell. I had it listed for several years personal loan com 06,07,08 ,09 on an off, and I never got one offer.. I am thinking of seeing if I could break even before I am too far behind with my payments. My denial is in appeal according to one party and denied according to personal loan best personal loan rates com another.

This is my first month not paying, so in 3 days they are going to start reporting me late....... But the fear is back and I have horrid visions of my son finding out somehow, do I fess up and tell him now that this is happening, he is 19 and going to the community college old enough to handle it but according to him we are happy-go-lucky.

I was hoping not to have to welcome him to reality, praying really that the mod would come through and he would never have had to know what we went through. If I get lucky enough to find a buyer, and break even, then I have no money to find a place to rent. But If I was lucky enough to find a fast money loan buyer I could at least save my credit for now. If I stay for 8 months to a year rent free cash time loans I can save money but will have destroyed my credit... If I get lucky enough to find a buyer, and break even, then I have no money to find a place to rent. But If I was lucky enough to find a buyer I could at least save my credit for now. If I stay for 8 months to a year rent free I can save money but will have destroyed my credit... You are in a tough spot here and have a lot of options to choose from. Of course a loan modification would be the best as you would keep your property with a lower payment and not have to worry about telling your son anything about your current struggles. Listing your home is also a good idea if you are ok with the fact of leaving your neighborhood, especially if you are able to break even form the sale and not have to go through a short sale. A foreclosure or short sale should not even be an option at this point as you are only one month behind. But you will need to make a decision fast as to whether or not you want to pursue a mod or put the home for sale. Both options can easily take many months to complete (as you already know) so you will bad credit installment loans direct lender want to make this decision as soon as you can.. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect weekend payday loans the opinions of the firm or any individual attorney.

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Please Read our Privacy Policy and Legal Disclaimer You are in a tough spot here and have a lot of options to choose from. Of course a loan modification would be the best as you personal loan com personal loan com would keep your property with a lower payment and not have to worry about telling your son anything about your current struggles. Listing your home is also a good idea if you are ok with the fact of leaving your neighborhood, especially if you are able to break even form the sale and not have to go through overnight loans a short sale. A foreclosure or short sale should not even be an option at this point as you are only one month behind. But you will need to make a decision fast as to whether or not you want to pursue a mod or put the home for sale.

Both options can easily take many months to complete (as you already know) so you will want to make this decision as soon as you can.. The trial is now in appeal status, so although I just stopped paying, according to BOFA, I am already 3 months behind... Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Your are probably here because you have decided it is time to sell your home. You have considered various factors in this process including realtor commissions and wonder about selling your property without the use of an agent. The most common question is whether or not it will be too difficult for you to accomplish. If you have ever bought or sold a home you should have a pretty good idea about what your agent does for you in the process. Generally, the most beneficial thing a realtor can do for you is save you time by being the communication point between you and the lender. However, if you have enough time on your hands you can potentially save thousands of dollars in commission fees by doing it yourself.

The key is to make sure you have at least a few hours a week to handle the sale.

You will need this time to complete a few very important tasks first, clean up and get the property ready to present, check out multiple online and offline sources to list the property, and then prepare yourself to discuss terms and negotiator with potential buyers.


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Selling your home without a realtor is not so much about anything else but the research and time involved in the process. You will want to know a few important factors if you want to do this on your own.

First off, you need to have your home in good condition and ready to present to a potential buyer. After you cleaned up, take pictures of both the interior and exterior and get ready to list your property. It is crucial you list your home every you possibly can because there is a lot of competition out there, especially today. Check out newspapers, real estate magazines, and most definitely online listing sites. Lastly, make sure you have a fair price in mind before you present the home. Selling your home is not as hard as a lot of people come to think it is. Many times it is a realtor who is pushing it not your head that it is too hard to accomplish on your own. But in fact many people can do it, all it takes is some research and dedicated time to get the task completed. Thank you very much for the additional information! I would like to suggest everyone who have lots of time and want to sell home go through this post and learn most important things. Since 2007, the LoanSafe online loan application forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. We know how important it is to properly organize your home for sale. And because we also know that this process can be hectic and even overwhelming, we are offering you our Top 10 Tips to prepare your home for a successful sale.