Cheyenne real estate WY, Pine Bluffs real estate and Laramie County real estate, home listings and homes for sale in Wyoming, ranches, horse properties - Connie Webb, REALTOR® Connie Webb REALTOR(r) for Cheyenne, Pine Bluffs and Laramie County, Wyoming real estate, ranches, horse properties - NUMBER1EXPERT™ Connie Webb NUMBER1EXPERT(tm) for Cheyenne, Pine Bluffs and Laramie County, Wyoming real estate, ranches, horse properties
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Connie Webb, REALTOR®, real estate agent and broker for Cheyenne, Pine Bluffs and Laramie County Wyoming home listings, property and land for sale - NUMBER1EXPERT(tm)
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Avoid Foreclosure
Welcome > Short  Sale/Foreclosure ...


Are you at risk of foreclosure and losing your home?
Foreclosure doesn't have to be the only option.

 

Have you missed your house payment?

Haven't missed a house payment yet, but afraid you might?

Has your financial situation changed due to a mortgage payment increase, loss of job, divorce, medical expenses, increase in taxes or other reasons?

  • Have you recently lost your job?
  • Are you borrowing from one credit card to pay another?
  • Is your credit card debt becoming unmanageable?
  • Are you using your credit cards to buy groceries?
  • Is it becoming difficult to pay all your monthly bills on time?

If it’s becoming harder to make your house payment each month:

Few people think they will lose their home, they think they have more time. Here's how it happens. Note: Timeline varies by state.

  • First month missed payment – Your lender will contact you by letter or phone. This is the time to begin action; a housing counselor can help.
  • Second month missed payment – At this point, the lender is likely to call you to discuss why you have not made your payments. I know it is not easy, but it is important that you take their phone calls. They can be very understanding and may be able to offer temporary solutions. Talk to your lender and explain your situation and what you are trying to do to resolve it. At this time, you still may be able to make one payment to prevent yourself from falling three months behind. You should contact a Housing Counselor, if you haven't already.
  • Third month missed payment – If you miss a third payment, you will receive a letter from you lender stating the amount you are delinquent, and that you have 30 days to bring your mortgage current. This is called a "Demand Letter" or "Notice to Accelerate". If you do not pay the specified amount or make some type of arrangements by the given date, the lender may choose to begin foreclosure proceedings. It is unlikely they will accept less than the total due without prior arrangements being made prior to receipt of this letter. You may still have time to work something out with your lender. A housing counselor can still help.
  • Fourth month missed payment – Now you are nearing the end of time allowed in your Demand or Notice to Accelerate Letter. If you have not paid the full amount or worked out arrangements with the lender when the 30 days ends, you will be referred to your lender's attorneys. Be aware that you will incur all attorney fees as part of your delinquency. A housing counselor can still help you.
  • Sheriff's or Public Trustee's Sale – The lender's attorney will schedule a Sale. This is the actual day of foreclosure. You may be notified of the date by mail, a notice may be taped to your door, and the sale may be advertised in a local paper. The time between the Demand or Notice to Accelerate Letter and the actual Sale varies by state. In some states it can be as quick as 2-3 months. This is not the move-out date, but the end is near. You have until the date of sale to make arrangements with your lender, or pay the total amount owed, including attorney fees.
  • Redemption Period – after the sale date, you may enter a redemption period*. You will be notified of your time frame on the same notice that your state uses for your Sheriff's or Public Trustee's Sale.

*Redemption is a period after your home has already been sold at the foreclosure sale when you can still reclaim your home. You will need to pay the outstanding mortgage balance and all costs incurred during the foreclosure process.

Important: Stay in contact with your lender and get assistance as early as possible. All dates are estimated, and vary according to your state and your mortgage company.

Connie Webb, Wyoming Certified Distressed Property Expert

Wyoming Certified Distressed Property Expert
Connie Webb
Wyoming Certified Distressed Property Expert

Phone:  800.221.5064
Cell:     307.630.7637
Ofc:      307.635.0336



 

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Real Estate Tips
First Time Buyers >Finding A Loan

There are two important steps preliminary to becoming a homeowner. First you must find the right home and negotiate the price and terms with the sellers. Then you come to one of the most difficult parts of the transaction--finding the perfect loan.

You should do some comparison shopping among lenders. Your real estate agent can refer you to several reputable lending institutions which should be able to complete the loan process before your proposed financial approval date. The loan officer will take your application and have you sign all the necessary papers to authorize credit and employment verifications. You and the real estate agent should get periodic progress reports to make sure that all of the details are taken care of. Such reports will help to ensure that any potential problems are discovered and addressed before they can hinder the transaction.

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Real Estate Trivia
Q 
Which hazardous substance is contained in sixty-four million houses and apartments?

A 
HUD estimates that 64 million homes and apartments built before 1978 contain lead-based paint.
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Connie Webb, REALTOR®, real estate agent and broker for Cheyenne, Pine Bluffs and Laramie County Wyoming home listings, property and land for sale - NUMBER1EXPERT(tm)

Connie Webb
Century 21 Bell Real Estate

2103 Warren Avenue
Cheyenne, WY. 82001
Toll Free: 800-221-5064
Phone: 307-635-0336
Fax: 307-632-6125
Email: Connie@Move2Cheyenne.com

Connie Webb takes a positive approach to life and you can see it in everything she does. From spending time with her family to helping her clients reach their dreams, Connie always has a smile on her face and a winning attitude in her heart. Connie brings that same positive approach to her career as a leading real estate professional in Laramie County. Her clients can count on her to be there when they need her, to listen closely to their needs and to provide strong guidance and support during the entire real estate process. Connie loves what she does and it shows. Her positive approach to life helps her to make a positive difference in the lives of her clients.

CRS ePro Equal Housing ERC GRI MLS REALTOR


Century 21 Bell Real Estate real estate and homes for sale in Cheyenne, Pine Bluffs and Laramie County Wyoming


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