1,
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2. If you are behind on your mortgage payments,
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3. Do you know the terms of your loan? Specifically,
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4,
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5. Do you know who (which financial institution) currently holds your home loan? Remember,
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The following steps are designed to help you save your home. But,
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Step 1: Decide to Fight for Your Home

Ask yourself if you are ready to take responsibility and WORK your way through your current financial challenges. You have to be honest. You have to know how tough you really are. There will be pain. Now,
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Step 2: Build a Rock Solid Budget on Tough,
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Write down your budget for the next several (3 5) years. This may sound hard,
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Nike Free Run 4.0 V3 Blanc Noir Hommes À Vendre, month by month,
Wmns Nike Free Run 3.0 V5 2014 femmes noires rouges Jusqu’à 50% De Réduction. Livraison Gratuite Pour Le Monde Entier, of the money that’s coming in and the money that’s going out. What makes a budget good? Just the thought and honesty you put into it. What are you really going to make? What are you really going to spend? You will have to make some guesses. You don’t know what gas will cost next year (assume it will be more than it is now,
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You will have to think (hard). What happens in January? Will you have to pay for presents? What happens in July? Will you have to pay for travel? You get the idea. Assume something will hit you out of the blue every 3 months or so (car repairs,
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Once you see all of the "money out" items in your budget,
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Step 3: Know Your Budget Like the Back of Your Hand

Now that you have your budget,
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Step 4: Learn to Think Like Your Bank

You are going to contact the bank or the mortgage lender that currently holds your home loan. But don’t pick up the phone yet! First you have to be ready to have the RIGHT conversation with your bank. You know your budget by heart (that was Step 3),
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Put yourself in the shoes of your bank. You (the bank) has hundreds of people in trouble with their home loans. You can’t help every one of them. You are a bank,
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Step 5: Track down whoever is Holding Your Home Loan

Contact whoever is currently holding your loan/mortgage. If they’ve sent you mortgage materials telling you how to contact them,
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2012 Nike Free Run 3.0 Azul Plata Mujeres Outlet Worldwide, etc.). Call or write to them and tell them about your situation. Be clear about what you want (I want to keep my home. I have a clear budget that will allow me to make payments of a specific amount,
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Tracking down the actual owner of your loan can be difficult. You can start by calling or writing a letter to the company that receives your monthly mortgage payments. Expect to hear something like,
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If you reach a dead end in your effort to locate the bank that holds your home loan,
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Step 6: Respond to Whatever Your Lender Throws at You

How your lender responds to your request will determine how you proceed. If they are willing to work with you,
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It’s OK to look for help. Some of the links on this page may help you. Some of the advertisements and offers may provide information or services you can use. Shop around,
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There are lots of companies out there that talk about foreclosure prevention or debt rescue. They may tell you that they can let you keep your home and help you pay your mortgage. They may have a plan where you can stay and just pay rent. Be very skeptical. Ask every question that pops into your head. What will really happen to your mortgage? What will happen to your credit? Make them prove that their plan is best for you. Did they ask you about your specific situation? If they don’t ask you about your specific situation (your budget,
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Ask to talk with satisfied customers. Some companies can provide real options that may help you. But many,
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These steps are not easy. But remember,
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