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Foreclosure is a potentially devastating problem that faces homeowners. When a homeowner is not able to pay the mortgage loan, the bank will reclaim the mortgage property. This is the beginning of a foreclosure proceeding. Foreclosure can occur suddenly. If the financial situation of the homeowner changes, he could be facing the real danger of losing his property.
Before foreclosure happens, it is important that the homeowner takes steps to avoid this problem. Here are some steps to prevent this from occurring:
1. Get a fixed interest rate.
A variable interest rate on your mortgage is highly unstable. If changes in the economy occur, the rates could shoot up in an instant especially during economic recession. When this occurs, the monthly payments that the homeowner has to pay will rise drastically to the extent that the he could no longer afford it.
To avert this potential disaster, it is a good idea to get a fixed rate on the mortgage loan. A fixed rate will remain the same even if market situation changes. This means you know exactly how much monthly premium you need to pay each and every month. And, you need not worry about fluctuations in the economy because your interest rates on loans will be unchanged.
2. Dialogue with lender.
If you lose your job and you think you cannot make monthly payments anymore, it is good to arrange a dialogue with the lender or bank before the problem becomes full-blown. Talk to the creditor about your financial situation. And give him a satisfactory and valid reason explaining why you cannot pay monthly premiums. The lender might take into consideration your reason and give you a grace period, enough time for you to secure the money for payment.
3. Debt forgiveness.
This is one option that a debtor may resort to if he has a very considerate lender. A lender might waive your missed payments once he hears your reason. This is called debt forgiveness which seldom happens but it is a possible solution. However, you must agree to pay the monthly premium after the missed payments are waived.
4. Loan repayment plan.
This is another option that a homeowner can request from a lender. In this plan, the payments that the homeowner missed will be divided into easy to pay monthly plan. This way, he can catch up with the monthly premium payments.
5. Loan modification.
This is another option available for homeowners to evade foreclosure. In this process, the homeowner will negotiate with the bank for lower interest rates or lower monthly premiums. This will make the payments more affordable for the homeowner who is in a temporary financial bind.
6. Short sale.
The house is sold before reaching the point of foreclosure. This way, the homeowner is able to pay the debt in full. Sometimes, the sale price of the home could be lower than the actual mortgage. It is good to discuss this with the bank. The bank might accept the amount and forgive the unpaid balance.
7. Foreclosure mediation.
An arbitrator acts as the mediator between the homeowner and the bank. The meeting between the debtor and lender will focus on the reduction of principal or interest or issuing deed-in-lieu of foreclosure.
Home improvements are always regarded as the ideal investment to make in a home. They work to greatly add value to your home price. The apparent belief is that home improvements not only make the house more of a pleasurable living experience to endure but they also increase the value of your property.
This is a fair definition of what home improvement should achieve but a lot of the home improvement carried out doesn’t actually get to reach these and other less obvious but just as important goals of home improvement.
So here are some basic characteristics of what would make for good home improvement efforts:
a) They should improve the overall value of the property, in particular regard to two potential audiences: banks and property buyers.
b) They should make the house more practical in terms of being used as a living space. Open space improvements, for example, help reduce on walls which take up space and make navigation cumbersome, even in large houses.
c) They should have an overall impact on reduction of the cost of utilities. Home improvement projects that improve water use, drainage systems, save on electricity bills by improving access to natural light or by providing efficient lighting systems as well as improving central heating systems certainly fall into this category. If by home improvement you are adding a paint type, for example, that enhances lighting in your house, even at that level, you are on the right track.
d) Home improvements that improve the safety of the property are certainly vital as well. These include improving heat and electrical insulation, fire systems as well as general security systems like alarms. If you install nets in areas with houses that can be accessed by insects or storm windows for bad weather-prone areas, you are getting value for your home improvement investment.
e) Home improvement is also probably best done by a professional. It is all very well to try and do things around the house once in a while but installing new garage doors or re-tiling the kitchen really should not be done by you. The less than professional work actually shows, even to an untrained eye.
f) Convenience also really helps home improvement worthwhile. If you upgrade some of the bedrooms, particularly the master bedroom an en-suite bedroom, the value for the property is bumped up considerably due to the added convenience.
Of course you may have some improvements that do not fall directly into this category, that though they may be pleasing to the eye or your own personal tastes, really do nothing for you intrinsically, or for the property in terms of adding value. These include things like interior decor and swimming pools. You may add them of course, but only as a bonus.
In the long run, it helps to get all the other aspects out of the way first.
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