Hansen Financial Investments

" Everyone deserves a second chance "

Losing your home to a Foreclosure can be Stopped, but Time is of the Essence. If you want to get out of Foreclosure , we can negotiate with your Lender to Avoid Foreclosure or Stop Foreclosure , and get you back on the right track.

Don't lose your home to the refi trap!

Literally 99% of people in foreclosure will be turned down for new financing but will not be notified until it's almost too late to save the home! If approved for financing you are likely to be pressured into interest rates and loan fees up to ten times higher than quoted at the last minute at the "closing table" under duress. If a refinance or new loan will actually work for you, we can usually tell you so within 48 hours, and are usually able to postpone your foreclosure until funding. If NOT you will not waste precious time and money applying and waiting!

Steps You Can Take

If you are facing foreclosure, make sure to follow these three important steps:

Step #1: If you are having problems making payments, contact your lender as soon as you realize your payment is going to be late.
Step #2: Do not ignore phone calls or letters from your lender. Contact them to explain your situation. Be prepared to provide them with financial information including your monthly income and expenses.
Step #3: Understand your options and know your rights in your state.

Tips for Avoiding Foreclosure

Are you having trouble keeping up with your mortgage payments? Have you received a notice from your lender asking you to contact them?

Don't ignore the letters from your lender
Contact your lender immediately

If you are unable to make your mortgage payment:

1. Don't ignore the problem.

The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house.

2. Contact your lender as soon as you realize that you have a problem.

Lenders do not want your house. They have options to help borrowers through difficult financial times.

3. Open and respond to all mail from your lender.

The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court.

4. Know your mortgage rights.

Find your loan documents and read them so you know what your lender may do if you can't make your payments. Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting the State Government Housing Office.

5. Understand foreclosure prevention options.

Valuable information about foreclosure prevention (also called loss mitigation) options can be found on the internet at www.fha.gov/foreclosure/index.cfm.

6. Prioritize your spending.

After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses-cable TV, memberships, entertainment-that you can eliminate. Delay payments on credit cards and other "unsecured" debt until you have paid your mortgage.

7. Use your assets.

Do you have assets-a second car, jewelry, a whole life insurance policy-that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don't significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home.

8. Avoid foreclosure prevention companies.

You don't need to pay fees for foreclosure prevention help-use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. Hansen Financial Investments will never have any hidden fees, while others may be legitimate businesses, they will charge you a hefty fee, often two or three month's mortgage payment.

10. Don't lose your house to foreclosure recovery scams!

If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms and getting professional advice from a trusted attorney, a trusted real estate professional, or a trusted financial investor.

The information contained on this site is not intended as legal advice. Consult appropriate professionals for legal advice and tax implications


Jacksonville Real Estate, Ponte Vedra Beach, St. Johns County Leslie Hansen Is Moving Jacksonville _________________ ____________________	" Everyone deserves a second chance " Losing your home to a Foreclosure can be Stopped, but Time is of the Essence. If you want to get out of Foreclosure , we can negotiate with your Lender to Avoid Foreclosure or Stop Foreclosure , and get you back on the right track. Don't lose your home to the refi trap! Literally 99% of people in foreclosure will be turned down for new financing but will not be notified until it's almost too late to save the home! If approved for financing you are likely to be pressured into interest rates and loan fees up to ten times higher than quoted at the last minute at the "closing table" under duress. If a refinance or new loan will actually work for you, we can usually tell you so within 48 hours, and are usually able to postpone your foreclosure until funding. If NOT you will not waste precious time and money applying and waiting! Steps You Can Take If you are facing foreclosure, make sure to follow these three important steps: Step #1: If you are having problems making payments, contact your lender as soon as you realize your payment is going to be late. Step #2: Do not ignore phone calls or letters from your lender. Contact them to explain your situation. Be prepared to provide them with financial information including your monthly income and expenses. Step #3: Understand your options and know your rights in your state. Tips for Avoiding Foreclosure Are you having trouble keeping up with your mortgage payments? Have you received a notice from your lender asking you to contact them? Don't ignore the letters from your lender Contact your lender immediately If you are unable to make your mortgage payment: 1. Don't ignore the problem. The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house. 2. Contact your lender as soon as you realize that you have a problem. Lenders do not want your house. They have options to help borrowers through difficult financial times. 3. Open and respond to all mail from your lender. The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court. 4. Know your mortgage rights. Find your loan documents and read them so you know what your lender may do if you can't make your payments. Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting the State Government Housing Office. 5. Understand foreclosure prevention options. Valuable information about foreclosure prevention (also called loss mitigation) options can be found on the internet at www.fha.gov/foreclosure/index.cfm. 6. Prioritize your spending. After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses-cable TV, memberships, entertainment-that you can eliminate. Delay payments on credit cards and other "unsecured" debt until you have paid your mortgage. 7. Use your assets. Do you have assets-a second car, jewelry, a whole life insurance policy-that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don't significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home. 8. Avoid foreclosure prevention companies. You don't need to pay fees for foreclosure prevention help-use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. Hansen Financial Investments will never have any hidden fees, while others may be legitimate businesses, they will charge you a hefty fee, often two or three month's mortgage payment. 10. Don't lose your house to foreclosure recovery scams! If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms and getting professional advice from a trusted attorney, a trusted real estate professional, or a trusted financial investor. The information contained on this site is not intended as legal advice. Consult appropriate professionals for legal advice and tax implications	________________ ________________ Today's Top Real Estate News Provided by Inman News