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Mortgage Assistance Articles

Foreclosure Advice

Mark CappelDecember 1, 2010

Read a personal story about foreclosure and get foreclosure advice that can help you avoid or deal with a looming foreclosure. Free information from Bills.com.

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Foreclosure

Bills.com TeamDecember 1, 2010

Are you facing a mortgage foreclosure? Learn everything you need to know about the foreclosure process and its effects.

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Paying Off Mortgage

Daniel CohenNovember 29, 2010

Paying off a Mortgage | You can choose to pay off your mortgage any time you want, without penalty, unless your mortgage specifies that you have to pay...

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Assumable Mortgage & Estate

Betsalel CohenNovember 20, 2010

Assumable Mortgage and Estate | An assumable mortgage is a mortgage that can be transferred from a seller to a buyer. Check your contract and contact...

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Can't Pay Mortgage

Bills.com TeamNovember 17, 2010

Your mother will be evicted if she continues to fail to pay the mortgage, the house will be auctioned or added as a real-estate-owned (REO) property in the mult

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Mortgage Prepayment

Fernando PaezNovember 17, 2010

Making extra mortgage payments will decrease your balance faster so you can capitalize on today's low rates.

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Avoiding Foreclosure

Bills.com TeamNovember 17, 2010

If you're behind in payments, avoid foreclosure by refinancing or obtaining a loan modification.

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Halt On Foreclosures

Bills.com TeamNovember 16, 2010

Chase and GMAC halt foreclosure proceedings.

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Pay Down Mortgage Balance

Mark CappelNovember 15, 2010

Know the advantages of a cash-out refinance.

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Mortgage, Note, Deed, & Title

Mark CappelNovember 9, 2010

Mortgage Note, Deed and Title | A mortgage loan almost always includes a personal note and deed on the property. If there is a discrepancy between...

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Note v. Mortgage

Bills.com TeamNovember 5, 2010

A mortgage consists of two documents: a note (or bond); and the mortgage itself. A deed conveys the title.

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Owe More than Home Is Worth

Bills.com TeamOctober 27, 2010

Six options to get help with an upside down mortgage where you Owe More than My House is Worth. Bills.com has the tips to help you save.

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Mortgage Foreclosure Missouri

Bills.com TeamOctober 19, 2010

Mortgage Foreclosure Missouri | Missouri has no anti-deficiency laws, so you will be liable for any money owed after a foreclosure. Look for...

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Short Sale to Avoid Foreclosure

Daniel CohenOctober 19, 2010

Free tips on how to avoid foreclosure. Learn about the short sale process and deed-in-lieu of foreclosure

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Negotiate Mortgage Settlement

Mark CappelSeptember 27, 2010

Negotiate Mortgage Settlement | You have options to negotiate a mortgage settlement. Consult with an attorney about your bankruptcy options. Learn to...

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Georgia Mortgage Foreclosure & Short Sale

Mark CappelSeptember 9, 2010

Talk to your mortgage servicer about a short sale now and see what you need to do to qualify. Short sales are common and thousands of homes are bought and sold

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Help with Bank of America mortgage modification

Mark CappelSeptember 1, 2010

Bank of America Mortgage Modification | Free tips on how to deal with a Bank of America mortgage modification. Begin by ...

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Want to Move But Don't Want to Sell House

Mark CappelAugust 24, 2010

A foreclosure will free you from the property, but at the expense of, among other things, your credit score.

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Negotiate Short Sale

Mark CappelAugust 10, 2010

Negotiate Short Sale | Work closely with your lender. Before negotiating with the lender review your bankruptcy options. Seek out alternatives such as...

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Saxon Mortgage Principal Reduction

Mark CappelAugust 3, 2010

Saxon Mortgage Services claims to offer repayment and forbearance plan, loan modifications, short sales, debt forgiveness, and deeds in lieu of foreclosure.

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California Short Sale

Mark CappelJuly 26, 2010

California Short Sale | California Short Sale rules were changed by California SB 458. CCP 580e outlaws a deficiency judgment under a note secured by a deed of

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Bank of America's Equator

Mark CappelJune 28, 2010

Equator is a computer database and workflow system developed by a third party and implemented by Bank of America to handle short sales.

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Short Sale

Mark CappelJune 24, 2010

A short sale is where a mortgagee (most likely a bank) agrees to the sale of a property for less than the balance of the loan. The new owner...

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Bank of America Foreclosure & Mortgage Modification

Mark CappelJune 18, 2010

Try to learn if the foreclosure notice is a prelude to Bank of America initiating a foreclosure, or if it is legal placeholder designed to preserve the bank's r

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Wisconsin Second Mortgage Foreclosure

Mark CappelJune 14, 2010

Learn the rules for foreclosure on first and second mortgages in Wisconsin, and steps you can take to avoid foreclosure.

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Foreclose on Second Deed of Trust

Mark CappelJune 4, 2010

Foreclose on Second Deed of Trust | A second mortgage can be foreclosed upon even if the first mortgage is current. Check your loan documents, speak to ...

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Short Sale on HELOC

Mark CappelJune 2, 2010

Short Sale on HELOC | If you allow a foreclosure you will face a deficiency balance. You will also need to buy a new property or pay rent, which are new...

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Chapter 13 vs. Deed in Lieu of Foreclosure

Mark CappelMay 19, 2010

Chapter 13 vs. Deed in Lieu of Foreclosure | If you cannot afford your mortgage payments look into options including a modification, bankruptcy or deed-in-lieu.

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Ex-Spouse & Foreclosure

Mark CappelMay 19, 2010

A mortgage is a contract. A divorce is a contract. One does not trump the other. Just because a judge signs a divorce decree does not make the divorce any more

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Strategic Mortgage Default

Mark CappelMay 5, 2010

Strategic mortgage default is where a homeowner voluntarily walks away a mortgage because the balance of the mortgage(s) is greater than the fair market value o

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Short Sale Selling

Mark CappelMay 5, 2010

Short Sale Selling | If you sell your home for less than you owe on it, you may be liable for a deficiency balance, depending on your state laws. Check...

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California Divorce Mortgage

Mark CappelApril 27, 2010

California divorce mortgage | In a California divorce, mortgage lenders are not bound by a divorce decree. If your spouse does not comply with the decree...

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Mortgage Foreclosure Nevada

Mark CappelApril 23, 2010

Mortgage Foreclosure Nevada | You may be liable for a deficiency balance in Nevada after a foreclosure. Look into the MHA programs including HAFA and...

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HARP Refinance California

Mark CappelApril 22, 2010

Home Affordable Refinance Program (HARP) allows home owners to refinance their existing mortgages to current low interest rates even if their LTV is greater tha

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Mortgage Foreclosure Michigan

Mark CappelApril 22, 2010

Michigan is a recourse state, and a mortgagee can foreclose judicially or non-judicially. Learn more about your rights and liabilities at Bills.com

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Mortgage Foreclosure Virginia

Mark CappelApril 22, 2010

Virginia is a recourse state. Learn what this means, and other foreclosure rules for Virginia at Bills.com

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Mortgage Foreclosure Georgia

Mark CappelApril 20, 2010

Mortgage Foreclosure Georgia | Look into foreclosure avoidance options including the HAFA program. HAFA sets guidelines for short sales and deeds in lieu...

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Mortgage Foreclosure California

Mark CappelApril 20, 2010

Second Mortgage California | California's non-recourse and anti-deficiency laws may protect you against a second mortgage foreclosure. Also, your taxes...

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Right of Redemption Foreclosure

Mark CappelApril 8, 2010

The right of redemption comes into play when a homeowner loses a home to foreclosure, then immediately after receives a windfall and wants to reenter the home.

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Mortgage Loan Modification

Mark CappelApril 5, 2010

Mortgage Loan Modification | If you are unable to pay for the mortgage, then look into a modification or other foreclosure avoidance options such as...

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Sell House

Mark CappelApril 1, 2010

You have several options if you either cannot afford your mortgage payments or wish to sell a house that has a market value less than the balance of the mortgag

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Can I Default On My Mortgage Without Any Consequences?

Mark CappelMarch 31, 2010

Can I default on my mortgage without any consequences? | Free tips from bills.com about the consequences of defaulting on a mortgage.

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Late Mortgage

Mark CappelMarch 31, 2010

Homeowners who have suffered a temporary loss of income resulting in a late mortgage but can demonstrate income has returned to its previous level may be able t

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Mortgage Forgiveness

Mark CappelMarch 22, 2010

The Mortgage Forgiveness Debt Relief Act of 2007 allows taxpayers to exclude income from the discharge of debt on their principal residence.

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Should I Do A Deed In Lieu of Foreclosure?

Daniel CohenMarch 17, 2010

Deed in Lieu of Foreclosure | If you are having trouble paying your mortgage, then speak to your lender about doing a deed in lieu of foreclosure. Compare...

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Homestead Exemption

Mark CappelMarch 8, 2010

A homestead exemption in protects the debtor/homeowner's equity up to the amount of the exemption.

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Second Mortgage Default

Mark CappelMarch 1, 2010

Lenders foreclose on second mortgages only as a way of limiting losses on a defaulted loan. Learn how to avoid...

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Mortgage Charge-Off

Mark CappelFebruary 19, 2010

Mortgage charge-off |A mortgage is a written pledge of property used as security for the repayment of a loan. The property you purchase is the collateral for...

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Alabama foreclosure

Bills.com TeamFebruary 17, 2010

The creditor has legal rights to the property as the debtor pay off the mortgage. However, debtor has rights, too.

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Mortgage Collections

Mark CappelJanuary 26, 2010

Mortgage Collections | If your are in default on your second mortgage, it is possible that the lender will sell the loan to a collection agency. Make sure...

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