TEXAS HomeOwner Foreclosure Helper

09/01/2023

👀😲🚨Home foreclosures are rising nationwide, with Florida, California and Texas in the lead

As the cost of living in the U.S. continues to climb, foreclosures are also on the rise.

May foreclosure-related filings, which include default notices, scheduled auctions and bank repossessions, were up 7% from April and up 14% from a year ago, to 35,196 properties, according to the real estate data group ATTOM.

Lenders began the foreclosure process on 23,245 properties in May, up 4% from last month and up 5% from a year ago. States with the most foreclosure starts in May included Florida, where 2,901 foreclosures got underway, followed by California, with 2,451 foreclosures started, and Texas, where 2,286 properties fell into the foreclosure column. READ MORE HERE https://www.nbcnews.com/business/economy/home-foreclosures-rising-in-us-where-which-states-rcna88394

FREE FORECLOSURE HELP NOW!
LEVI C RICHARDS
https://bit.ly/3ycBhju

GET HELP FROM A LICENCED REALTOR CERT. FORECLOSURE SPECIALISTS who work with you and your mortgage company to provide proven foreclosure alternatives and the best possible solution that makes the most sense for you and your family based on your circumstances “Without Bankruptcy”.

08/11/2023

🚨📈Foreclosure Activity In First Half Of 2023 Ticks Upwards Toward Pre-Covid Levels...TEXAS (13,419 foreclosure starts)

U.S. Foreclosure Starts Increase 15 Percent in First Six Months of 2023; Average Days to Complete a Foreclosure Hits Peak; June and Q2 2023 Foreclosure Activity Also Post Annual Increases

States that saw the greatest number of foreclosures starts in the first half of 2023 included California (14,217 foreclosure starts); Florida (13,837 foreclosure starts); Texas (13,419 foreclosure starts); New York (8,772 foreclosure starts); and Illinois (7,995 foreclosure starts). READ MORE HERE:
https://www.attomdata.com/news/market-trends/foreclosures/attom-mid-year-2023-u-s-foreclosure-market-report/

08/08/2023

On Jan. 30, the FHA announced that it is “expanding and enhancing” it's set of loss mitigation options developed during the pandemic—the enhancements extend FHA’s highly effective COVID-19 loss mitigation options to all eligible borrowers who fall behind on their mortgage payments, regardless of the cause of their delinquency.

If you have a Federal Housing Administration (FHA) insured mortgage and you are falling behind on pa...

04/11/2023

02/04/2023

How to get foreclosure help in Texas?
Stop Foreclosure without filing Bankruptcy?
https://www.youtube.com/watch?v=H0qtM1Sa4p4

AS A LICENSED CERTIFIED FORECLOSURE RESOURCE IN THE STATE OF TEXAS…I can help you POSTPONE THE FORECLOSURE SALE DATE and guide you to the best possible option for you and your family to get through this hardship.

My name is Levi C Richards, CALL ME TODAY FOR FREE CONSULTATION. TIME IS NOT ON YOUR SIDE. I want to help you AVOID FORECLOSURE and at least give you more time to consider all the options available to you and your family.
Levi C Richards
CALL TODAY...
(817) 900-3599

FREE FORECLOSURE HELP NOW! DON'T LOSE YOUR HOME!GET AN APPROVED POSTPONEMENT NOTIFICATION ASAP....WITHOUT FILING FOR BANKRUPTCYStop Foreclosure without fil...

01/26/2023

🛑⏱️🧑‍⚖️ FREE FORECLOSURE HELP NOW! DON'T LOSE YOUR HOME! GET AN APPROVED POSTPONEMENT NOTIFICATION ASAP....WITHOUT FILING FOR BANKRUPTCY

Stop Foreclosure without filing Bankruptcy?
https://youtu.be/rusp9-m16DA

AS A LICENSED CERTIFIED FORECLOSURE RESOURCE IN THE STATE OF TEXAS…I can help you POSTPONE THE FORECLOSURE SALE DATE and guide you to the best possible option for you and your family to get through this hardship.

My name is Levi C Richards, CALL ME TODAY FOR FREE CONSULTATION. TIME IS NOT ON YOUR SIDE. I want to help you AVOID FORECLOSURE and at least give you more time to consider all the options available to you and your family.

Levi C Richards
CALL TODAY...
(817) 900-3599

06/22/2022

👀😲🚨U.S. FORECLOSURE ACTIVITY INCREASES IN MAY 2022
https://www.prnewswire.com/.../us-foreclosure-activity...
ALSO AT THE SAME TIME AS INTEREST RATE SPIKE
FREE FORECLOSURE HELP NOW!
CALL/TEXT (817) 900-3599
LEVI C RICHARDS
https://bit.ly/3ycBhju

GET HELP FROM A LICENCED REALTOR CERT. FORECLOSURE SPECIALISTS who work with you and your mortgage company to provide proven foreclosure alternatives and the best possible solution that makes the most sense for you and your family based on your circumstances “Without Bankruptcy”.

06/22/2022

❓🤔 What happens to your credit when you file for bankruptcy?
FREE FORECLOSURE HELP NOW!
CALL/TEXT (817) 900-3599
LEVI C RICHARDS
https://bit.ly/3ycBhju

Bankruptcy may help relieve your debt obligations, but it will impact your credit for years.
Bankruptcy is a special legal proceeding you can use to reorganize or get rid of your debt, depending on your financial situation. Bankruptcy can be helpful if you’re overwhelmed with financial commitments, but it could also negatively affect your credit. A bankruptcy will generally stay on your reports for up to 10 years from the date you file.

“I refer to bankruptcy as kind of Armageddon on someone’s [credit],” says Freddie Huynh, vice president of data optimization for Freedom Debt Relief.

The good news is your credit can gradually heal if you take the right steps. Here’s what can happen to your credit reports when you file for bankruptcy.
Credit recovery post-bankruptcy
After filing bankruptcy, you can work to build your credit again — but it won’t be instantaneous.

“It’s a marathon, not a sprint,” says Huynh.

Start by making a list of the debts included in your bankruptcy, and check them on your credit reports. After they’re discharged, it may take about two months for the accounts to be updated on your reports. They should be labeled “included in bankruptcy”, “discharged” or similar language.

Check your reports every few months for errors. Make sure to check that the negative marks are removed in a timely fashion.

In the meantime, consider building credit with a secured credit card. Only take out lines of credit you can afford, and pay back debt as agreed. After several years’ worth of responsible credit behavior, your credit scores can improve.

“If someone walks the straight and narrow after bankruptcy,” Huynh says, “it would be possible their scores would be higher now than prior to the bankruptcy.”

Bottom line
For many, bankruptcy is a last resort. If you’re considering filing, know the financial and credit implications.

Your credit will show a public record of bankruptcy for up to 10 years, and discharged accounts will get a negative mark. You can lessen the effects on your credit by taking extra care when using credit going forward and by making sure your credit reports accurately reflect your situation.

https://www.creditkarma.com/advice/i/what-happens-when-you-file-for-bankruptcy

06/02/2022

🏠In forbearance? There is Help for Homeowners…
FREE FORECLOSURE HELP NOW!
CALL/TEXT (817) 900-3599
LEVI C RICHARDS
https://bit.ly/3ycBhju

I’m here to help you walk through their options.
WAITING...GREATLY HURTS POSTPONEMENT REQUESTS.
WE GET YOU A "CONFIRMED" SALE DATE POSTPONEMENT.
GET HELP FROM A LICENCED REALTOR CERT. FORECLOSURE SPECIALISTS who work with you and your mortgage company to provide proven foreclosure alternatives and the best possible solution that makes the most sense for you and your family based on your circumstances “Without Bankruptcy”.

If you are currently in a mortgage forbearance program temporary helping you during a financial setback due to COVID-19, it is important to take a look at the type of mortgage loan you have and the date your agreement becomes due. If you are a homeowner who experienced a financial hardship during the pandemic and your temporary relief plan is coming to an end, this information will help you to know the options.

Data shows approximately four million U.S. homes went into forbearance in 2021. The number of forbearances has dropped around one million in 2022 according to RealtyTrac. There is a projection that another quarter of a million forbearances are to expire in 2022.

The payments missed under a forbearance plan are not forgiven, so you must be prepared to resume payments. Be aware the plan will include the regular mortgage monthly payments plus the balance accumulated during the forbearance period. Some of the options available for repayment once the forbearance term expires are:

Reinstatement — a one-time lump sum of any missed payments. After the reinstatement, regular payments of the mortgage continue under the original terms of the loan. Ask yourself, if it’s possible to pay back all the missed payments at once? If the answer is ‘no’, the mortgage servicer will offer other options if you can’t pay the full amount.

Repayment plan — you will repay the missed amount over a set amount of months, typically 3-12 months, on top of your regular monthly mortgage payments until the balance of the missed payments is paid off.

Deferred payments — To bring the loan to current status, the deferred amount is due along with the last mortgage payment date or earlier if you sell your home, refinance it, or pay off your loan.

Extend the amortization period — the length of your loan term increases to pay off the missed amount by extending the original loan term, adding additional mortgage payments.

Loan modification — changing your mortgage loan terms, usually includes a lower interest rate and extend the length of the loan to help reduce the monthly payment.
By Johanna Gómez on Tuesday, May 3, 2022
https://www.aroundosceola.com/news/forbearance-there-help-homeowners

05/23/2022

🏠Don't lose your HOME🏠
FREE FORECLOSURE HELP NOW!
CALL/TEXT (817) 900-3599
https://bit.ly/3ycBhju

I’m here to help you walk through their options.
WAITING...GREATLY HURTS POSTPONEMENT REQUESTS
WE GET YOU A "CONFIRMED" SALE DATE POSTPONEMENT
LICENCED REALTOR CERT. FORECLOSURE SPECIALISTS who work with you and your mortgage company to provide proven foreclosure alternatives and the best possible solution that makes the most sense for you and your family based on your circumstances “Without Bankruptcy”.
Message me with any questions.

01/20/2021

This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.

01/20/2021

FREE FORECLOSURE HELP NOW!
CALL/TEXT (817) 900-3599
MORE INFO: https://bit.ly/3ycBhju
🏠Don't lose your HOME🏠

I’m here to help you walk through their options.
WAITING...GREATLY HURTS POSTPONEMENT REQUESTS
WE GET YOU A "CONFIRMED" SALE DATE POSTPONEMENT

LICENCED REALTOR CERT. FORECLOSURE SPECIALISTS who work with you and your mortgage company to provide proven foreclosure alternatives and the best possible solution that makes the most sense for you and your family based on your circumstances “Without Bankruptcy”.
Message me with any questions.