subject: In Danger Of Being Foreclosed? A Texas Loan Modification May Help. [print this page] Over the last 2 years there has been huge increase in foreclosures in Texas and applications for a Texas loan modification from folk who never thought that they would be in this situation.
I have been there also. The whole process is like a bad dream. In addition to the unfamiliar paperwork you are likely to have the same credit card debts piling up while you pay other bills to have enough for the mortgage. Then at the end of the month you don't have enough. Soon the credit card companies and the utility companies are hassling you on the phone as well. You end up not opening the mail.
If you're one of the lucky ones you can cope with all this but perhaps you are like I was - I had really too much going on to think straight!
This was to me in hindsight a humbling experience. Without sounding negative I learned who my real friends are and also realized that I could get out of this successfully. I have never looked on myself as any different from anyone else - I'm just an average Joe so if I've been able to avoid losing my home so can you.
Let me share a few tips that helped me save my home!
1. Do something now - do not wait!
There's an old saying if it ain't worked before it ain't gonna work now by just lookin at it!You have to be proactive and look for the solution - there is one - there is hope. Research by lending companies has shown that up to 75% of foreclosures can be avoided. The most successful applications are done with the help of professionals.
2. Get your Income and Bills listed.
You will never know where to start if you don't know where you're at. This is also important as you know best what your household income and bills are so as you can either help yourself or be helped. The greatest benefit of doing this will be to show to yourself and any help you receive that you are willing to do what needs to be done to save your home.
3. Get help if you feel you can't do it yourself.
Fear paralyzes action - you must get over the fear. I know you are scared - who wouldn't be, it's natural. Get help -it's OK and it is easier when someone else is figuring out what to do for you! You will find that people will help you - there are individuals and businesses throughout the State that know how to stop your home from being foreclosed.
by: Jack DeMontfort
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