http://www.foreclosures-help.com http://www.foreclosures-help.com Information on foreclosures to help homeowners prevent foreclosure. Homeowners have so many options to get out of foreclosure. Most avoid foreclosures help are free. http://www.foreclosures-help.com http://www.foreclosures-help.com/timeline-for-foreclosure.html Below is the timeline for foreclosure that you need to be familiar with and study in detail. The timeline for foreclosure starts at Day 0 which is the first day that you missed your mortgage payment. Note that the timeline for foreclosure may be slightly different for different lenders and in different states. The timeline for foreclosure below is similar to most foreclosure timelines in California and many other states. http://www.foreclosures-help.com/timeline-for-foreclosure.html http://www.foreclosures-help.com/government-assistance-foreclosure.html When people are in foreclosure, they look to the government for foreclosure assistance. With more and more people facing foreclosure, the government is coming up with solutions and aids to help people avoid and get out of foreclosure. There are a few government assistance for foreclosure programs as well as government funds and mortgage assistance grants to help people avoid foreclosure. http://www.foreclosures-help.com/government-assistance-foreclosure.html http://www.foreclosures-help.com/pics-of-foreclosure-homes.html Below are more pics of foreclosure homes. Although many real estate gurus advertise many different ways to invest in foreclosure homes, be prepared that these are the homes that had stories and are most likely to need major repairs. http://www.foreclosures-help.com/pics-of-foreclosure-homes.html http://www.foreclosures-help.com/photos-of-foreclosure-homes.html Below are some more photos of foreclosure homes. Foreclosure homes are not beautiful homes. Foreclosure homes often need major repairs and many homeowners thrash the homes before they moved out on eviction notices. http://www.foreclosures-help.com/photos-of-foreclosure-homes.html http://www.foreclosures-help.com/pictures-of-foreclosure-homes.html Despite all the hype about investing in foreclosure homes, foreclosure homes are not pretty. Below are some pictures of foreclosure homes. When you see a foreclosure home that has not been remodelled by the bank or a real estate investor, you will see the story of the family that lived there and were evicted out of their home. http://www.foreclosures-help.com/pictures-of-foreclosure-homes.html http://www.foreclosures-help.com/california-foreclosure-process.html Maybe it’s the huge population in California, or perhaps it’s just the inflated price of our real estate, but one of the most asked questions in the United States for real estate investors these days is: “What is the California foreclosure process?” http://www.foreclosures-help.com/california-foreclosure-process.html http://www.foreclosures-help.com/foreclosure-process-for-a-home.html The foreclosure process for a home in the United States varies from state to state, and sometimes individual counties have different processes from each other as well. In New Jersey and a few other small states in the Northeast the process is different in the individual townships! http://www.foreclosures-help.com/foreclosure-process-for-a-home.html http://www.foreclosures-help.com/home-foreclosures-help.html Where to find home foreclosures help? Home foreclosures help is usually just as close as your local yellow pages, but you need to know a few things about the people offering it first or you could be in worse trouble than when you started. http://www.foreclosures-help.com/home-foreclosures-help.html http://www.foreclosures-help.com/credit-restoration.html Credit Restoration is a way to increase a credit score, usually from a low credit score to a much higher credit score. Why is credit restoration important? When a homeowner is in foreclosure, the lender report foreclosure to the credit bureaus. This significantly lowers the homeowner's credit score and put a mark on his or her credit report making it difficult to borrow any money in the near future. http://www.foreclosures-help.com/credit-restoration.html http://www.foreclosures-help.com/check-list-of-things-you-must-do-asap!.html This page is meant as a quick ‘to-do’ task list for you to get up to speed and be ready for what you have to do next. Naturally different people who read this will have different options available to them because they are at different points in their foreclosure process, however, these are the steps everyone should start with before going any further. http://www.foreclosures-help.com/check-list-of-things-you-must-do-asap!.html http://www.foreclosures-help.com/option-1-ask-for-help.html Before you decide what to do with your foreclosure situation, you can ask for help. There are government assistance for foreclosure as well as state assistance programs to help homeowners prevent and avoid foreclosure. There are even mortgage assistance grants and loans to help certain homeowners in foreclosure. http://www.foreclosures-help.com/option-1-ask-for-help.html http://www.foreclosures-help.com/option-2-borrow-money-from-family-or-friends.html Many are too proud to ask friends & family for a loan, but if you’ve made it this far into the foreclosure process, the fact is that most of your alternatives are much worse for your future. http://www.foreclosures-help.com/option-2-borrow-money-from-family-or-friends.html http://www.foreclosures-help.com/option-3-selling-your-home-the-traditional-way.html Most people in foreclosure try valiantly to save their family home to the very last day, but the bottom line is that your home isn’t worth a cent to you if it gets foreclosed on. (In fact it could be a great DEBT to you if that happens!) http://www.foreclosures-help.com/option-3-selling-your-home-the-traditional-way.html http://www.foreclosures-help.com/option-4-work-with-an-investor.html There are good-hearted investors, and there are greedy investors. Finding the wrong investor will mean losing your home & all your equity with nothing to show for it but being free of the loans. http://www.foreclosures-help.com/option-4-work-with-an-investor.html http://www.foreclosures-help.com/option-5-file-chapter-13-bankruptcy.html The least drastic & more sensible of the two types of Bankruptcy for you to consider, Chapter 13 is suitable for those that are hard workers. http://www.foreclosures-help.com/option-5-file-chapter-13-bankruptcy.html http://www.foreclosures-help.com/option-6-borrow-on-credit-cards-or-some-other-type-of-loan.html Consider credit card rates these days. Sure, they all have introductory periods of something like 2%. but eventually, especially with these large sums of money, like parts of your mortgage loan, you’ll be paying 15-24 percent on it before you know it! http://www.foreclosures-help.com/option-6-borrow-on-credit-cards-or-some-other-type-of-loan.html http://www.foreclosures-help.com/option-7-refinance-to-get-another-1st-loan.html What was the one thing you did in the past that is most responsible for your present situation? It was getting the home loan in the first place! Let’s face it; another loan is not the solution! http://www.foreclosures-help.com/option-7-refinance-to-get-another-1st-loan.html http://www.foreclosures-help.com/option-8-file-chapter-7-bankrupcty.html Chapter seven Bankruptcy is the harder one of the two types that homeowners are eligible for, it is the one that does ‘wipe-out’ any and all unsecured debts, but most people won’t attempt it because it is severely limiting to their lifestyle. http://www.foreclosures-help.com/option-8-file-chapter-7-bankrupcty.html http://www.foreclosures-help.com/option-9-deed-in-lieu-of-foreclosure.html Assuming you don’t owe more for the property than what it’s worth, and you don’t have more than one loan on it, you usually have the option of calling your lender and offering them the deed, free & clear, while abandoning the house immediately, so they won’t foreclose on you. http://www.foreclosures-help.com/option-9-deed-in-lieu-of-foreclosure.html http://www.foreclosures-help.com/option-10-let-it-go-to-foreclosure.html Sadly, a surprisingly large number of people who get foreclosed on do so in either complete denial of the problems’ seriousness, or have actually been horribly advised to believe that Foreclosure isn’t that bad. http://www.foreclosures-help.com/option-10-let-it-go-to-foreclosure.html http://www.foreclosures-help.com/top-10-options.html The following options are listed in what is generally thought to be the order of worst to best, meaning that the higher up the option is on this list, the worse off your future will turn out for doing it. http://www.foreclosures-help.com/top-10-options.html http://www.foreclosures-help.com/foreclosure-clock.html Where are you in the countdown to Foreclosure? There is a foreclosure timeline in common with most foreclosure situations in California. It can differ slightly, depending on a particular lender. For instance, this timeline can extend to much longer than the example given below if your lender decides to change the auction date, which it could do for various reasons. http://www.foreclosures-help.com/foreclosure-clock.html http://www.foreclosures-help.com/behind-in-payments-mortgage-help.html Many foreclosed homeowners started out as being just slightly behind in their mortgage payments. Being behind in mortgage payments is stressful and as a result, most people push it out of their mind for as long as they could. Most people wait for far too long to ask for help. By the time they ask for behind in payment mortgage help, it is often too late and foreclosure is just around the corner. http://www.foreclosures-help.com/behind-in-payments-mortgage-help.html http://www.foreclosures-help.com/how-does-foreclosure-work.html In bad economy, it is useful to know how foreclosure works. However, if you may be facing foreclosure or have missed a mortgage payment, then it is very important that you learn how foreclosure works and what processes are involved. http://www.foreclosures-help.com/how-does-foreclosure-work.html http://www.foreclosures-help.com/find-the-right-realtor.html When you are facing foreclosure, it is more important than ever to find the right realtor to help you. Bear in mind that some realtors will have more experience with foreclosure situations than others. The more experienced realtors can better advice you on what to do to save your home from foreclosure or to avoid or get out of foreclosure. http://www.foreclosures-help.com/find-the-right-realtor.html http://www.foreclosures-help.com/free-home-valuation.html It never hurt to get a second opinion of what your home is worth. In fact, if you are facing foreclosure, then you need to know more than ever how much your home is worth or how much your home would be worth. Below is an instant, free home valuation without any obligation. http://www.foreclosures-help.com/free-home-valuation.html