{"id":309,"date":"2015-06-26T20:13:32","date_gmt":"2015-06-26T20:13:32","guid":{"rendered":"http:\/\/thehoneybeehomes.com\/home\/?page_id=309"},"modified":"2017-06-15T13:15:30","modified_gmt":"2017-06-15T13:15:30","slug":"how-to-stop-foreclosure-on-your-house-in-grand-rapids-mi","status":"publish","type":"page","link":"https:\/\/thehoneybeehomes.com\/home\/learning-center\/how-to-stop-foreclosure-on-your-house-in-grand-rapids-mi\/","title":{"rendered":"How to Stop Foreclosure on Your House in Grand Rapids MI"},"content":{"rendered":"

How to Stop Foreclosure on Your House<\/h1>\n

Foreclosure.<\/strong> \u00a0It’s a big, scary word with big, scary possibilities attached to it. \u00a0But create a plan and be proactive. \u00a0You can save your home.<\/p>\n

There are many ways to stop foreclosure on your house in Grand Rapids, or in any city. \u00a0Loan modifications, a Partial Claim, the FHA-HAMP program, Deed-in-lieu, and pre-foreclosure sales are just some of the options available to you. \u00a0While we are not attorneys, and this should not be construed as legal advice,\u00a0here are some good things to remember.<\/p>\n

\"Think\"<\/a>1. \u00a0Don’t ignore the situation.<\/strong><\/p>\n

The longer you wait, the fewer options you may have. By being active and facing the situation head-on, you have a much better chance of finding a good solution.<\/p>\n

2. Contact your lender, and respond to their messages.<\/strong><\/p>\n

If you create an open dialogue with your lender, they may offer you several options to help the situation. \u00a0The early letters they send will often include methods on how to stop foreclosure on your house in Grand Rapids.\u00a0Read those letters, and follow up with the recommendations within them.<\/p>\n

Later letters sometimes include important legal notices. \u00a0It is crucial\u00a0to understand the dates and steps of the foreclosure process, and these letters can help. \u00a0Also, they can be very valuable if you decide to work with an attorney.<\/p>\n

Also, remember that ignoring these letters is NOT an excuse in foreclosure court. \u00a0It’s in your best interest to be well informed.<\/p>\n

3. \u00a0Know your options!<\/strong><\/p>\n

There are many, many options\u00a0available to help stop\u00a0foreclosure in Michigan. \u00a0Each of these have different pros and cons, and you should consider each of them carefully. \u00a0Some choices, such as selling your home to a reputable buyer, can be relatively quick and hassle-free. \u00a0However, if you want to stay in your home,\u00a0you should learn about your options.<\/p>\n

\"Meeting\"<\/a>An excellent resource is the U.S. Department of Housing and Urban Development<\/a>, or HUD. \u00a0You can visit their site for a list of their applicable programs here<\/a>. \u00a0There are many programs available, including:<\/p>\n

-Home Affordable Modification Program (HAMP)
\n-Home Affordable Refinance Program (HARP)
\n-Home Affordable Unemployment Program (UP)
\n-FHA Special Forebearance<\/p>\n

The State of Michigan<\/a> also has great resources\u00a0on how to stop foreclosure on your house in Grand Rapids (or Kalamazoo, Portage, or Caledonia for that matter). \u00a0Visit this page<\/a> for a list of their resources. \u00a0Some things there include:<\/p>\n

-Michigan Lending and Foreclosure Guide
\n-Warning Signs for Foreclosure Scams
\n-Detailed Timeline of the Foreclosure Process
\n-Borrower Worksheet (to help you get organized)<\/p>\n

4. \u00a0Contact an Attorney.<\/strong><\/p>\n

If the foreclosure process has already begun, you should contact an attorney. \u00a0If you are unable to afford one, there are low- and no-cost options available for you. \u00a0The Michigan Foreclosure Prevention Project<\/a> is a great place to start.<\/p>\n

They have links to your counselors in your county, throughout Michigan.<\/p>\n

\"Partners\"<\/a>5. \u00a0Prioritize your spending, and take a close look at your assets.<\/strong><\/p>\n

When finances get stressful, it’s very easy to put up a mental wall between yourself and your money. \u00a0However, if you’re able to take a close look at your budget and spending, there may be areas where you can free up some funds. \u00a0You can then put any extra dollars toward your mortgage. \u00a0In addition, think about your assets. \u00a0You may be able to sell some of\u00a0your non-essential items to get some much needed cash.<\/p>\n

6. \u00a0Avoid Scams.<\/strong><\/p>\n

Unfortunately, there are people in the world who try to take advantage of homeowners facing tough times. \u00a0Be VERY careful of people who demand large upfront fees in exchange for their help with your foreclosure. \u00a0Start with the resources listed above, such as HUD, the State of Michigan, and the MFPP. \u00a0They can\u00a0help you find legitimate professionals who won’t charge an arm and a leg.<\/p>\n

As always, feel free to contact us at Honeybee Homes at (616) 606-3390 for additional help regarding your home.<\/p>\n","protected":false},"excerpt":{"rendered":"

How to Stop Foreclosure on Your House Foreclosure. \u00a0It’s a big, scary word with big, scary possibilities attached to it. \u00a0But create a plan and be proactive. \u00a0You can save your home. There are many ways to stop foreclosure on your house in Grand Rapids, or in any city. \u00a0Loan modifications, a Partial Claim, the Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":445,"menu_order":20,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-309","page","type-page","status-publish","hentry"],"yoast_head":"\nHow to Stop Foreclosure on Your House in Grand Rapids MI | Honeybee Homes, LLC | We Buy and Sell Grand Rapids Real Estate<\/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:\/\/thehoneybeehomes.com\/home\/learning-center\/how-to-stop-foreclosure-on-your-house-in-grand-rapids-mi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Stop Foreclosure on Your House in Grand Rapids MI | Honeybee Homes, LLC | We Buy and Sell Grand Rapids Real Estate\" \/>\n<meta property=\"og:description\" content=\"How to Stop Foreclosure on Your House Foreclosure. \u00a0It’s a big, scary word with big, scary possibilities attached to it. \u00a0But create a plan and be proactive. \u00a0You can save your home. 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