Sawa'ng-sawa na ba kayo sa mga balita tungkol sa real estate crisis?These days, news about home foreclosures is like traffic in L.A. - you just can't avoid it.
But it's one thing not being able to avoid hearing about the increasingly alarming foreclosure stories, and quite another to actually avoid becoming a statistic in this ongoing saga.
So, here are some tips to avoid foreclosure per Parade Magazine:
1. As soon as hindi na kayo makabayad ng mortgage ninyo, contact your lender.
2. Sagutin ninyo lahat ng sulat na pinapadala sa inyo ng lender ninyo. Sa umpisa, they will send you tips on how to avoid foreclosure; pag hindi pa rin kayo umaksyon, legal notices na ang dadating sa inyo.
3. Know your rights. Basahing maige ulit ang inyong loan documents.
4. Prioritize spending. This goes without saying - pero kung nahihirapan na kayong magbayad ng mortgage, tama na muna ang shopping. After healthcare expenses, pambayad sa bahay kaagad ang isigurado ninyo.
5. Avoid foreclosure-prevention companies & scams. You don't have to pay fees to get help. Wag na wag kayong pipirma ng anumang dokumento sa sinumang nagangako na they will stop foreclosure for you. They will end up getting your house, and kayo pa ang lalabas na may utang. Napakaraming TV commercials na nag-o-offer ng tulong kunwari sa foreclosure pero lolokohin lang kayo. Mag-ingat din kayo sa mga "We Buy Houses" signs dahil karamihan scams lang ito. Here are two articles (this one and this one) about these scams.
6. Humingi ng tulong sa gobyerno. Pasalamat tayo at nandito tayo sa America kung saan merong lehitimong mahihingan ng tulong gaya ng HUD. Sa Department of Housing and Urban Development, makakakuha kayo ng libre o murang foreclosure counseling. Tumawag sa 1800-569-4287 o bumista sa http://www.fha.gov/.
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