Sacramento, Orangevale and Roseville real estate and homes for sale in California - The Scott L. Williams Team, REALTORS® The Scott L. Williams Team REALTORS(r) for Sacramento, Orangevale and Roseville, California real estate - NUMBER1EXPERTS™ The Scott L. Williams Team NUMBER1EXPERTS(tm) for Sacramento, Orangevale and Roseville, California real estate
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Real Estate Tips
Foreclosures >4. Foreclosure Alternatives

There are several alternatives for a homeowner to consider when foreclosure is looming. Before proceeding, a homeowner must first choose whether or not he or she wants to keep his or her home.

If a homeowner wants to keep their home:

  • Repayment plan: The homeowner establishes a payment schedule with the lender to pay the delinquent amount.
  • Special forbearance plan: The homeowner requests a temporary reduction or payment suspension that will be increased after a set specific period of to repay the delinquent amount.
  • Modifying the mortgage: The homeowner can refinance the debt and/or extend the term of the loan.
  • HUD partial claim: If the homeowner has a loan insured by the Federal Housing Administration the lender can get a one time payment from the FHA-Insurance Fund to get the mortgage payments up to date.
  • Refinance: The homeowner can negotiate a new loan with a different interest rate in order to make smaller payments.
  • All options listed are subject to approval of the lender.

If a homeowner does not want to keep their home:

  • Sell the house: Depending on the situation, the homeowner may be able to sell the house for more than is owed to the lender.
  • Assumption: The homeowner turns over possession of the house to another person who then assumes the responsibility of the payments.
  • Short sale: The lender and the homeowner come to an agreement to sell the home at a loss in order to get the homeowner out.
  • Pre-foreclosure sale: The homeowner can sell the home and use the proceeds to settle the mortgage debt, even if the proceeds are less than the amount owed.
  • Deed in Lieu of Foreclosure: The homeowner surrenders the property to the lender without further damage to his or her credit.

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Real Estate Trivia
Q 
What is the world's oldest wooden structure?

A 
The oldest wooden buildings are the Pagoda, Chumanar Gate and Temple of Horyu in Nara, Japan, dating from A.D. 670.
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The Scott L. Williams Team, REALTOR®, real estate agents and broker for Sacramento, Orangevale and Roseville California home listings, property and land for sale - NUMBER1EXPERT(tm)

Scott L. Williams
Real Estate

3017 Douglas Blvd. Ste 300
Roseville, CA. 95661
Direct: 916-786-3177
Toll Free: 800-545-3431
Fax: 916-304-0155
Email: Scott@scottlwilliams.com

The Keys to Your Success Scott believes in staying at the forefront of technology and marketing trends in order to give you the greatest advantage in this constantly changing market. His eye for detail is key to staging your home for a successful sale and his area knowledge is essential to finding you the perfect home, in the ideal neighborhood to fit your family’s unique lifestyle. No matter what your real estate needs, look to Scott to handle every aspect of your home sale or purchase with a proven approach that will get you the results you are looking for.

Equal Housing MLS REALTOR


Scott L Williams real estate and homes for sale in Sacramento, Orangevale and Roseville California

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