Is your mortgage in default, but you are trying to fight foreclosure?  It takes endurance, drive and focus.  Sometimes homeowners wonder if it is worth the fight.  Only you can decide whether keeping the home makes more sense than letting the lender take back the property to satisfy the debt, if that even really satisfies…

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In the housing crisis over a decade ago, the government stepped in with mortgage loan modification plans to mitigate the U.S. housing crisis.  It looked like the federal government saved the day and that the recession would soon be gone.  A Mortgage loan modification permanently changes the terms of the mortgage loan.  This could be…

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When you miss payments on your mortgage you can go into default.  Your lender may then begin the foreclosure process. Normally, in NY your lender would send out an acceleration notice. demanding payment of the entire outstanding loan balance.   While this is frightening, if the homeowner can pay the missed payments, the bank may agree…

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