{"id":7582,"date":"2021-09-08T10:00:01","date_gmt":"2021-09-08T10:00:01","guid":{"rendered":"https:\/\/thezakariagroup.com\/understand-your-options-to-avoid-foreclosure\/"},"modified":"2021-09-08T10:00:01","modified_gmt":"2021-09-08T10:00:01","slug":"understand-your-options-to-avoid-foreclosure","status":"publish","type":"post","link":"https:\/\/thezakariagroup.com\/understand-your-options-to-avoid-foreclosure\/","title":{"rendered":"Understand Your Options To Avoid Foreclosure"},"content":{"rendered":"<div>\n<p><img decoding=\"async\" width=\"358\" src=\"https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113633\/20210908-KCM-Share-549x300.jpg\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Understand Your Options To Avoid Foreclosure | Simplifying The Market\" loading=\"lazy\" style=\"display: block; margin-bottom: 5px; clear:both;max-width: 100%;\" link_thumbnail=\"\" srcset=\"https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113633\/20210908-KCM-Share-549x300.jpg 549w, https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113633\/20210908-KCM-Share.jpg 750w\" sizes=\"(max-width: 549px) 100vw, 549px\"><\/p>\n<p>Even though experts agree <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/07\/28\/4-reasons-why-the-end-of-forbearance-will-not-lead-to-a-wave-of-foreclosures\/\">there\u2019s no chance<\/a> of a large-scale foreclosure crisis, there are a number of homeowners who may be coming face-to-face with foreclosure as a possibility. And while the overall percentage of homeowners at risk is decreasing with time (<em>see graph below<\/em>), that\u2019s little comfort to those individuals who are facing challenges today.<span id=\"more-45106\"><\/span><a href=\"https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113634\/20210908-MEM-Eng-1.png\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45108\" src=\"https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113634\/20210908-MEM-Eng-1.png\" alt=\"Understand Your Options To Avoid Foreclosure | Simplifying The Market\" width=\"650\" height=\"488\" srcset=\"https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113634\/20210908-MEM-Eng-1.png 1000w, https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113634\/20210908-MEM-Eng-1-400x300.png 400w\" sizes=\"(max-width: 650px) 100vw, 650px\"><\/a>If you haven\u2019t taken advantage of the <a href=\"https:\/\/www.hud.gov\/sites\/dfiles\/SFH\/documents\/IACOVID19FBFactSheetConsumer.pdf\">forbearance period<\/a>, it may be time to research and understand your <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/05\/12\/its-not-too-late-to-apply-for-forbearance\/\">options<\/a>. It starts with knowing what foreclosure is. <a href=\"https:\/\/www.investopedia.com\/terms\/f\/foreclosure.asp\">Investopedia<\/a> defines it like this:<\/p>\n<blockquote>\n<p><em>\u201c<strong>Foreclosure is the legal process by which a lender attempts to recover the amount owed on a defaulted loan by taking ownership of and selling the mortgaged property<\/strong>. Typically, default is triggered when a borrower misses a specific number of\u00a0monthly payments . . .\u201d\u00a0<\/em><\/p>\n<\/blockquote>\n<p>The good news is, there are <a href=\"https:\/\/www.nerdwallet.com\/article\/mortgages\/what-is-foreclosure\">alternatives available<\/a> to help you avoid having to go through the foreclosure process, including:<\/p>\n<ul>\n<li>Reinstatement<\/li>\n<li>Loan modification<\/li>\n<li>Deed-in-lieu of foreclosure<\/li>\n<li>Short sale<\/li>\n<\/ul>\n<p>But before you go down any of those paths, it\u2019s worth seeing if you have enough <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/07\/23\/pop-quiz-can-you-define-these-key-terms-in-todays-housing-market-infographic\/\">equity<\/a> in your home to sell it and protect your investment.<\/p>\n<h4><strong>Understand Your Options: Sell Your House <\/strong><\/h4>\n<p><strong>Equity<\/strong> is the difference between what you owe on the home and its market value based on factors like price appreciation.<\/p>\n<p>In today\u2019s real estate market, many homeowners have far <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/06\/23\/homeowner-wealth-increases-through-growing-equity-this-year\/\">more equity<\/a> in their homes than they realize. Over the last year, buyer demand has been high, but <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/08\/17\/what-does-being-in-a-sellers-market-mean\/\">housing supply<\/a> has been low. That\u2019s led to a substantial increase in home values. When <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/08\/16\/a-look-at-home-price-appreciation-and-what-it-means-for-sellers\/\">prices rise<\/a>, so does the amount of equity you have in your house.<\/p>\n<p>According to <a href=\"https:\/\/www.corelogic.com\/intelligence\/homeowner-equity-insights\/\"><em>CoreLogic<\/em><\/a>, on average, homeowners gained $33,400 in equity over the last 12 months, and the average equity on mortgaged homes is now $216,000 (<em>see map below<\/em>):<a href=\"https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113636\/20210908-MEM-Eng-2.png\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-45109\" src=\"https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113636\/20210908-MEM-Eng-2.png\" alt=\"Understand Your Options To Avoid Foreclosure | Simplifying The Market\" width=\"650\" height=\"488\" srcset=\"https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113636\/20210908-MEM-Eng-2.png 1000w, https:\/\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/07113636\/20210908-MEM-Eng-2-400x300.png 400w\" sizes=\"(max-width: 650px) 100vw, 650px\"><\/a><strong>So, what does that mean for you?<\/strong> Over the past year, chances are your home\u2019s value and therefore your equity has risen dramatically. If you\u2019ve been in your home for a while, the mortgage payments you\u2019ve made over time chipped away at the balance of your loan. If your home\u2019s current value is higher than what you still owe on your loan, you may be able to use that increase to your advantage.<\/p>\n<p>Frank Martell, President and CEO of <em>CoreLogic,<\/em> <a href=\"https:\/\/www.corelogic.com\/insights-download\/homeowner-equity-report.aspx\">elaborates<\/a> on how equity can help:<\/p>\n<blockquote>\n<p><em>\u201c<strong>Homeowner equity has more than doubled over the past decade and become a crucial buffer for many weathering the challenges of the pandemic.<\/strong> These gains have become an important financial tool and boosted consumer confidence in the U.S. housing market.\u201d<\/em><\/p>\n<\/blockquote>\n<h4><strong>Don\u2019t Go at It Alone \u2013 Lean on Experts for Advice<\/strong><\/h4>\n<p>To find out what your house is worth in <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/07\/22\/todays-real-estate-market-explained-through-4-key-trends\/\">today\u2019s market<\/a>, work with a local <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/06\/14\/the-right-expert-will-guide-you-through-this-unprecedented-market\/\">real estate professional<\/a>. We\u2019ll be able to give you an estimate of what your house could sell for based on recent sales of similar homes in your area. Since home prices are still appreciating, you may be able to sell your house to avoid foreclosure.<\/p>\n<p>If you find out that you have to pursue other options, your agent can help with that too. We\u2019ll be able to connect you with other professionals in the industry, like <a href=\"https:\/\/myhome.freddiemac.com\/buying\/finding-your-team.html\">housing counselors<\/a> who can look into your unique situation and offer <a href=\"https:\/\/www.hud.gov\/topics\/avoiding_foreclosure\/foreclosureprocess\">advice on next steps<\/a> if selling isn\u2019t the best alternative.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>If you\u2019re a homeowner facing hardship, let\u2019s connect to explore your options and see if you can sell your house to avoid foreclosure.<\/p>\n<\/div>\n<p class=\"wpematico_credit\"><small>Powered by <a href=\"http:\/\/www.wpematico.com\" target=\"_blank\" rel=\"noopener\">WPeMatico<\/a><\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Even though experts agree there\u2019s no chance of a large-scale foreclosure crisis, there are a number of homeowners who may be coming face-to-face with foreclosure as a possibility. And while the overall percentage of homeowners at risk is decreasing with time (see graph below), that\u2019s little comfort to those individuals who are facing challenges today.If [&hellip;]<\/p>\n","protected":false},"author":101010,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[879,100,877,102,108,885],"tags":[],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understand Your Options To Avoid Foreclosure - The Zakaria Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thezakariagroup.com\/understand-your-options-to-avoid-foreclosure\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understand Your Options To Avoid Foreclosure - The Zakaria Group\" \/>\n<meta property=\"og:description\" content=\"Even though experts agree there\u2019s no chance of a large-scale foreclosure crisis, there are a number of homeowners who may be coming face-to-face with foreclosure as a possibility. 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