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Loan Modification Help Center – Loan Modification Tips

by Joe Doxey December 2, 2011

Are you having a hard time with your mortgage?  Are you afraid that you are going to slip into foreclosure?  Did you already receive a foreclosure notice?  Here are some helpful tips. 1. Have a qualified, experienced loan modification attorney examine your mortgage contract for any potential violations.  It is important to have an attorney […]

Tagged as: Center, Help, Loan, Modification, Tips

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Lease Options or Rent to Own After A Short Sale

rent to own
by Joe Doxey November 29, 2011

Finding a rent-to-own house is one of the many ways someone with bad or no credit can buy  a house. You will often find them called names like lease/options, lease with option to buy, lease purchase, lease 2 purchase, rent with option to buy, rent to own, or rent to buy homes. There are a […]

Tagged as: layton utah realtor, layton utah realtors, layton utah short sale specialist

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Reasons to Avoid Foreclosure

real estate disaster
by Joe Doxey November 28, 2011

Real estate is not always an easy venture to be involved in. Mortgages are huge loans, and monthly payments can be extremely steep. Especially with the trend a few years back to give out sub-prime mortgages, there have been a lot of foreclosures lately. But foreclosure should be avoided at all costs. So let’s assume […]

Tagged as: layton utah foreclosure information, layton utah short sale help, layton utah short sale information

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How To Improve Your Credit

by Joe Doxey November 18, 2011

Your credit score is a very important number when trying to purchase a home.  If you have pulled your credit score and are disappointed by what you see, here are some simple things you can do to improve your score. Check Accuracy.  Believe it or not, mistakes on a report are common.  You can dispute […]

Tagged as: credit repair, layton utah realtors, utah short sale information

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The Truth on Foreclosure. What is a Foreclosure & How Do I Avoid It?

Layton Utah Short Sales
by Joe Doxey November 16, 2011

What is a foreclosure? A foreclosure is a process, not a specific date.  It is the process that lenders have to use to get their money back on a property that they have a lien against because the homeowner has stopped making their monthly payments. Foreclosure times can vary from state to state. There are […]

Tagged as: layton utah short sale information, layton utah short sale specialist, short sale real estate layton, short sale realtor davis utah

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How Late Do I Need To Be In Order To Do A Short Sale?

Short Sale Help
by Joe Doxey November 14, 2011

Hypothetically, let’s say your boss transfers you to a new city.  One of your biggest worries may be the prospect of having to sell your home during a housing slump.  Even if you have been making timely payments, this is no time to take on two mortgage payments but you know it may be difficult […]

Tagged as: davis utah real estate agent, davis utah short sale information, short sale help layton utah, short sale layton utah

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Warnings for a Seller in Despair

Short Sale Davis County
by Joe Doxey November 10, 2011

Unfortunately, there are many businesses who are taking advantage of people who are already in a tough spot and who are not familiar with all of the options that are available. Here are some things to look out for. Beware of any company or individual who… Claims they can stop a foreclosure, no matter what […]

Tagged as: davis utah, davis utah short sale, davis utah short sale realtor, layton utah realtors

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Short Sale vs. Loan Modification – Which is Best For Your Family?

Layton Short Sale
by Joe Doxey November 8, 2011

Well, the answer all depends on you as the homeowner and what your goals are.  It also depends on what your capabilities are. Loan Modification You stay in your home You get a better mortgage with better terms Credit will be affected but only through the trial period Process to get a mod can take […]

Tagged as: davis county loan modification, layton utah foreclosure information, layton utah short sale information, utah short sale specialist

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What is the HAFA program?

Home Affordable Foreclosure Alternatives
by Joe Doxey November 4, 2011

The Home Affordable Foreclosure Alternatives (HAFA) program is for borrowers who, although eligible for the government Home Affordable Modification Program (HAMP), are not able to secure a permanent loan modification or cannot avoid foreclosure. HAFA provides protection and money to eligible borrowers who decide to do a Short Sale or a Deed-in-Lieu of foreclosure. Some […]

Tagged as: Home Affordable Foreclosure Alternatives, how do I save my Utah home, layton utah foreclosure information, layton utah short sale help

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What is the Hamp Program (Home Affordable Modification Program)?

The Hamp program
by Joe Doxey November 2, 2011

The Home Affordable Modification Program is designed to help financially struggling homeowners avoid foreclosure by modifying loans to a level that is affordable for borrowers now and sustainable over the long term. The program provides clear and consistent loan modification guidelines that the entire mortgage industry can use. Borrower eligibility is based on meeting specific […]

Tagged as: layton utah short sale information, layton utah short sale specialist, the hamp program

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What is a Loan Modification?

Loan modification utah
by Joe Doxey October 31, 2011

There are many misconceptions of what loan modifications are. In a nutshell, a loan modification is a change in the loan terms with the lender. These changes are permanent, with the intention of a reduced payment that the homeowner can afford.  Loan modifications are similar to refinances (also called refis); however your original loan will […]

Tagged as: loan modification utah, salt lake city loan modifications, salt lake city utah loan modifications, saving your utah home

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Steps On Cleaning Your Credit

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by Joe Doxey October 28, 2011

Here Are Some Things You Can Do To Clean Up Your Credit Report   Make your payments on time: Late payments are the easiest type of credit blemish to avoid.  Keep accurate details on each of your accounts, including when payments are due.  Some creditors offer grace periods, but others do not.  You need to […]

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Are There Any Good Loan Modification Programs Available?

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by Joe Doxey October 26, 2011

These brief explanations will help you become familiar with some of the options for loan modification: The White House/Treasury Program: Under the direction of the US Treasury, the Obama administration has designed an all-inclusive mortgage loan modification program to help borrowers who are experiencing financial challenges. These are typically good-paying customers who have lost significant […]

Tagged as: davis utah real estate agent, davis utah short sale realtor, is a loan modification right for me, layton utah short sale help, layton utah short sale information, loan modification eligibility, loan modification options, salt lake city loan modifications

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I Did a Short Sale on My Home…When Can I Buy Again?

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by Joe Doxey October 24, 2011

Right now you can buy a home with an FHA loan in as few as 3 years after having a foreclosure, bankruptcy or a short sale (with late payments). However, you can also buy a home with a conventional loan after two years of having a short sale, as long as you have a healthy […]

Tagged as: davis utah real estate agent, davis utah short sale realtor, layton utah short sale help, layton utah short sale information

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What is the Home Affordable Refinance Program?

Layton Utah Home Affordable Refinance Program
by Joe Doxey October 21, 2011

The Home Affordable Refinance Program (HARP) or Making Homes Affordable (MHA) is available to 4 – 5 million homeowners with a stable repayment history on any mortgages with Fannie Mae or Freddie Mac. In the past, borrowers would be unable to refinance their homes because of lost value that would push their existing loan-to-value ratios […]

Tagged as: davis utah real estate agent, davis utah short sale realtor, layton utah short sale help, layton utah short sale information

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Simple Steps To Get Offers On Your Home

How to sell your utah short sale
by Joe Doxey October 19, 2011

Once you have decided to sell your home, there are a couple of steps you have to take. The first is to get the home ready to show by doing repairs, landscaping and so on. Once you are ready to go, you have to start marketing the home. Assuming you have done all of this, […]

Tagged as: davis utah real estate agent, davis utah short sale realtor, layton utah short sale help, layton utah short sale information

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10 Steps to Getting Top Dollar for Your Home

selling your layton utah home
by Joe Doxey October 14, 2011

When you decide to sell your home you should immediately begin referring to it as a house. You’ve become emotionally attached to this place and its now time to say goodbye. Start detaching yourself by making some changes that will help you with the sale of the house. You probably have accumulated a lot of […]

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Did Your Loan Modification Fail? Here Are A Few Reasons Why.

Davis County Short Sale Realtor
by Joe Doxey October 12, 2011

There are two main reasons. Firstly, the banks have two main tests used to determine if the homeowner qualifies. The first is called “Front-End DTI (debt-to-income ratio). You may remember I mentioned this earlier in the report. This is a formula the bank uses to calculate the payment that would be necessary to reduce the […]

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Are You Doing A Loan Modification Yourself? Here are 6 Steps That You Need To Know!

Davis County Utah Short Sale Agent
by Joe Doxey October 8, 2011

6 Things to Avoid When Getting a Loan Modification Directly from the Bank: Contacting your lender before you know what they need and how their program works. As well, don’t give them any of your financial information until you are ready and have those all gathered up. Answering the phone if the bank calls you […]

Tagged as: davis county short sale realtor, layton utah short sale information, layton utah short sale specialist

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What is a Tax Lien and how can it affect me?

Layton Utah Short Sale Agent
by Joe Doxey October 5, 2011

Investing in real estate is one of the beneficial markets that are available today.  It allows you to make profit off of one simple investment and can help you with putting more in the bank.  If you are working towards finding new ways to earn and invest, then looking at real estate property is a […]

Tagged as: davis county realtor, davis county short sale realtor, layton utah short sale help, layton utah short sale specialist

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