Three Mortgage Foreclosure Assistance Tips
Mortgage Foreclosure Assistance I Can Use Now?
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[/imageframe]You can help yourself by using these mortgage foreclosure assistance tips. First and foremost, communication with your Lender/Servicer is essential. The key is to maintain a record of all communications. Most of the time borrowers talk to their mortgage company on the phone. Keeping a log that details the NAME, DATE and TIME of every call is a key record. Backing that record up with your phone records is a major benefit.
Lenders and Servicers are required to send most communications in writing by mail. Never discard or destroy any communication you receive no matter how insignificant you may think it is. When sending correspondence of any type, a letter, a request or payment, always use traceable mail that requires a signature upon receipt for proof of delivery.
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[/imageframe]Very often these records are the difference in achieving your goals with your mortgage Lender or Servicer. The point is not to hide or avoid your Lender or Servicer, but to try to work things out directly if possible. Judges respect proactive parties asking for help.
Second, make your full monthly payment whenever possible. As long as a Lender/Servicer accepts your payment you should continue to deliver payments. Always instruct the lender how to apply the payment, such as principle and interest payment, or escrows or combination. Later, if the Lender/Servicer misapplies the funds you may have legal recourse.
Third, get any and every agreement with your Lender/Servicer in writing. Never rely solely on a verbal agreement. You will have no way of proving the conversation or agreement took place without some written record. You can create the record by simply sending an email and strengthen your record by sending a letter via traceable mail. Make certain you get the NAME, TITLE, DEPARTMENT, I.D., PHONE NUMBER, EMAIL, EXTENSION, details of the agreement as well as the dates made and effective date of the agreement. Include all of those details in your written confirmation.
-David Rudolph
©2015
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