Top 3 Ways to Avoid Foreclosure in Richmond Virginia
Let me share with you what I think are the top
3 ways to Avoid Foreclosure in Richmond VA
#1 Catch Up On Your House Payments
You may have fallen behind on payments due to unexpected one-time circumstance, like a family emergency or a gap in employment.
If you can actually afford your monthly payment, catching up is a great option.
There are 2 main ways to catch up on your late mortgage payments:
- Pay it Back All At Once: Use a Holiday Bonus, family gift or a Tax Refund check to pay your past due balance in full.
- Forbearance- If you are more than a couple months behind on your mortgage payments, your lender may have started the process to auction your home or foreclose. However, they may be willing to STOP your foreclosure process if you agree to (and qualify for) a forbearance. This forbearance is an agreement between the borrower (homeowner) and the lender. It is an agreement to pay back the past due amount over a period of about 3-9 months. You will need to talk to your lender to see if/how you could qualify for this.
#2 Refinance or Re-Structure Your Current Loan
If you have not missed any payments, but know that you will not be able to afford your payments after a certain date (mortgage rate increase, ARM adjustment, loss or downsize of job), then you may be able to qualify for a refinance or a re-structure of your current loan. You MUST have good credit for this option, and (in most cases) cannot have missed a mortgage payment.
- Re-Structure – Some lenders are allowing borrowers (home owners) to restructure their current loan to include adjusting the interest rate and/or the term.
- Refinance – If your good credit is still in tact, you may be able to refinance your current loan into a lower, fixed-rate loan that could lower AND stabilize your monthly payments. Contact a reputable lender or bank ASAP to take care of this before you miss a payment.
#3 Avoid Foreclsoure in Richmond VA: Sell Your Home Fast
Perhaps catching up on your payments or refinancing your loan are not an option for you. Thus Selling your home is a great way to avoid a foreclosure in Richmond VA.
There are many ways to sell your home, but in either case, you will need to ACT FAST to make sure that your home SELLS before it forecloses.
This is an option for you to help you save your house from foreclosure in Richmond VA. In fact, you should try it first. It is one of your many options to avoid foreclosure in Richmond.
If you find that you cannot save your house,, give us a call at 804/915-9475. We are professional home buyers and we might be able to buy your house.
We will not buy it and lease the house back to you. That is not allowed in VA.
If you don’t want to call, simply fill out this form and we’ll attempt to help you avoid foreclosure in Richmond VA
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Written by - Visit ChrisBuysHousesVA.comStop Foreclosure in Tri Cities area of Virginia
You want to stop foreclosure in the tri cities area of Virginia?
Your payments are behind and you are not sure what you want to do?
You’ve got options. Begin with a simple no-obligation phone call to us at 804-915-9475. Simply ask for Chris.
We’ve been helping people for over 5 years stopping foreclosure by buying their house.
We now have ways to help you with loan modifications.
Either way, you can a free no-obligation consultation.
Get our offer within 24 hours, no matter in the United States where you are.
Or simply call 804-915-475 during regular business hours
Or start with the form below
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Written by - Visit ChrisBuysHousesVA.comWho buys houses? We do
I am an investor who buys houses for cash (sometimes my own, sometimes with other’s cash).
Other times, I am an investor who buy houses for cash over time (meaning you don’t get all your money up front).
We can strike creative terms, that is part of being an investor who buys houses.
We can work nationwide, thanks to our network of investors who buys houses for cash in many different states.
Who buys houses?
We’ve been buying house since 2004 or buying houses for cash spread out over time (terms).
Get our offer within 24 hours, no matter in the United States where you are. Or simply call 804-915-475 during regular business hours for a free no-obligation consultation.
Or start with the form below
Written by - Visit ChrisBuysHousesVA.comSell a house with a couple of payments behind
What happens if you are a few payments behind and you want to sell your house?
Here is a real simple answer when your payments are behind and you want to sell you house
1. Sell your house for cash to a qualified buyer.
When that buyer pays for your house, those payments that are behind on your house will be added into the payoff statement. Your loan would be paid off in full. You sell your house, and you no longer have payments.
2. Sell your house to an investor who takes over payments.
In this situation, the investor and you agree as to who will make up the back payments, and from then on, the investor will take over the payments on your house. How you will handle any equity position you may have will be determined at that time.
3. Work with us for Loan Modification to keep your house.
Using our team of attorneys, they can attempt to arrange for a loan modification. Most homeowners who try, according to published statistics, either fail to get a modification, or fail the terms of the modification. The attorneys that we use boast a higher success rate of getting them done, and at a level that allows you to keep up your payments.
In this situation, your bank will likely add your missed payments to the principle balance of the loan.
4. Short sale your house.
If your payments are behind and you want to sell your house that has zero equity, a short sale might be another solution. We have done short sales and they are not easy. But they are a solution.
In this situation, your missed payments are taken care of in the negotiations.
Talk with us to find out what we can do:
We’ve been buying house for cash for over 5 years or buying houses for cash spread out over time (terms). We buy your house for cash only if it works for you and I.
Get our offer within 24 hours, no matter in the United States where you are. Or simply call 804-915-475 during regular business hours for a free no-obligation consultation.
Or start with the form below
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Written by - Visit ChrisBuysHousesVA.comWill You Buy My House For Cash?
What if you can’t sell your house for cash?
Can it be done in this market?
With all the lending rules that keep changing, maybe no bank will likely give any loan against your house at the moment.
We bought this house for cash
I visited this property in response to a question: “Will you buy my house for Cash?”
I gave the seller an all cash offer on the phone. It was a fair number that met his need and my need.
4 days later, he had a check for the full purchase price in his hand.
Who will Buy Your House for Cash?
We are real estate investors who will buy your house for cash in Virginia or nationwide, but we can do so only if it makes sense for you and for us.
You can Get our buy your house for cash offer within 24 hours typically, no matter in the United States where you are.
We are professional home buyers located in Virginia and have the skill and nationwide network to buy your house for cash.
Here are a few hints:
- We buy at Sam’s Club prices or cheaper, not Ruths’ Chris.
- Have an ugly house to sell for cash? Even better.
- House has too many repairs? We can do it.
- We can move junk houses that should be torn down.
- We’ll need your rock bottom price to tell you if we can do it.
Here is one house that we did buy for cash:
This seller needed cash for his house.
Because it was vacant, vandals were shooting bullets into the windows, theives were stealing the plumbing.
The seller was desperate to flee this bad investment property.
Our buyer paid cash for this house in about 14 days and started the process of securing and renovating it to get it occupied again.
We will buy your house for cash
Even if we don’t personally buy your house with our cash, we have a network of investors who can buy your house for cash, as we did with the house pictured above.
This means that we have the network to locate a cash buyer for your house.
Instead of you calling and calling and calling, hoping for an investor to get back with you, we do all that work for you.
Your problem is solved.
We do the work and find another investor who will buy your house for cash.
“Will you buy my house for cash?”
If we reach a price that works for you and for us, we can say “Yes, we will buy your house for cash.”
But it has to work at a fair price for you and for us.
We can make all cash offers, and provide a service to find an investor for you to buy your house for cash. We have access to thousands of investors nationwide to help you dispose of your property quickly.
We’ve been buying house for cash for over 5 years or buying houses for cash spread out over time (terms). We buy your house for cash only if it works for you and I.
Here is your next step
Get our cash offer within 24 hours, no matter in the United States where you are.
Or simply call 804-915-475 during regular business hours for a free no-obligation consultation.
You have nothing to loose but the time of a phone call, and possibly everything to gain – letting us buy your house for cash.
Written by - Visit ChrisBuysHousesVA.comTake Over My Monthly House Payments
We Buy Houses Taking over Payments
NOW SERVING NATIONWIDE – We’ll take over your payments if the house fits our formulas.
You want an investor to Take Over Your Monthly House Payments?
We are a company in Richmond Virginia that replies to your search request to “Take Over My Monthly House Payments”
The company is www.Chrisbuyshousesva.com.
NOW SERVING NATIONWIDE – We’ll take over your payments if the house fits our formulas.
We are now buying houses fast in and around the following areas:
Chesterfield, Richmond, Fredericksburg, Bowling Green, Hanover, Henrico, Petersburg, Chester, Colonial Heights, Hopewell, Sandston, and Goochland.
Reasons you want us to take over your payments
We are familiar with many reasons why people must sell their houses fast.
Some of the most common reasons include:
- Relocation
- Facing Foreclosure
- Divorce
- Need Repairs
- Bad Tenants
- Tired Landlord
- Liens Owed
- Making 2 House Payments
- Inheritance
- Over-Financed
There are also a variety of other reasons as well that may put you in situations that are preventing you from waiting a long time to hope for a potential buyer to sell your house to.
ChrisBuysHousesVA.com is now buying properties in The Richmond Virginia area and nationwide that solve your problem by taking over your monthly payments.
With all the smaller Virginia “we buy houses” companies available, be sure to work with one that has the experience and proper training that can handle all the legal documents and other necessary paperwork that would be necessary take over your monthly payments.
If we take over your monthly Payments, we will even pay your closing costs.
To start the process —
Call us at 804-915-9475 or fill out our offer form.
