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K. Patrice Williams 
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K. Patrice Williams's Real Estate Articles

Hardship Letters - A Key to a Successful Loan Modification

(July 20, 2008)  The following are the lenders qualifications to modify your loan. Most borrowers will meet these requirements. Keep them in your mind, when speaking to the lender. o Commitment to the Lender o Commitment to the house o Ability to pay (the most important requirement) A great hardship letter must be .

Avoid Foreclosure Scams!

(July 20, 2008)  A thorough, step-by-step guide detailing all the ways possible to prevent foreclosure scams. Includes instructions on how and what if you are a victim of a scam, how to detect a scam before hand, and much more. Scam avoidance precautions include: Never sign a legal document (quit claim deed, ..

Avoid Foreclosure With Legal Remedies

(July 19, 2008)  Unfortunately, many people today are being forced to face foreclosure. There are many different strategies for avoiding a foreclosure, one of the least known is the use of legal remedies. Most of us are unable to seek the assistance of an attorney to litigate against our mortgage company because: ..

Fight a Foreclosure Or Walk Away?

(July 19, 2008)  When should you fight to Avoid Foreclosure. . . . . or just Walk Away. In a real estate environment were some Americans owe more on their mortgages than their home is worth. Many homeowners have and will decide that it is a good idea to just walk away and make a fresh start by renting a home, ..

Save Your Credit and Avoid Foreclosure

(July 19, 2008)  Lenders don´t want to foreclose. If you can´t make your mortgage payments, even if you owe more than your house is worth, they´re often willing to work with you. When you call the lender, ask to speak to the “loss mitigation" department. Calm your nerves and read the following tips before .

The Truth About the Foreclosure Mortgage

(July 19, 2008)  The single biggest mistake borrowers make when they fall behind on their mortgage is not contacting their lender. As soon as you realize you have a problem, you've got to make that call. “The sooner the lender is approached, the better, " recently said a spokesperson for Washington Mutual. ..

Deed in Lieu to Avoid Foreclosure

(July 03, 2008)  The lender may agree to a deed-in-lieu of foreclosure if the borrower agrees to voluntarily transfer title of the property to the lender in exchange for cancellation of your mortgage debt. 1. In come cases, the borrower must attempt to sell the home for its fair market value for at least 90 days ..

Bankruptcy to Avoid Foreclosure

(July 03, 2008)  Chapter 13 Bankruptcy allows homeowners that have fallen behind on their mortgage payments with the need to stop foreclosure to reorganize their finances by eliminating or reducing unsecured debt, as well as, the preservation of both real estate holdings and vehicles. 1. As soon as an attorney ..

Refinancing to Avoid Foreclosure

(July 03, 2008)  Refinancing is a simple process and is similar to applying for your first mortgage. Once you've been approved for a refinancing loan, the new lender will pay off the old mortgage loan, including any outstanding late charges or fees. For homeowners who have more than 15% equity and whose mortgages ..

Avoid Foreclosure 4 Reasons Why

(July 03, 2008)  There are many reasons to avoid foreclosure. This article summarizes 4 reasons including protection of your credit; potential judgments from the lender after a foreclosure; potential tax consequences as well as, the results using bankruptcy to stall a pending foreclosure. 1. Foreclosures remain on .

Avoid Foreclosure Immediate Steps to Save Your Home

(July 03, 2008)  As lenders continue to foreclose on homes at a frightening rate, more and more borrowers need to be educated on legal ways to prevent the foreclosure of their homes. Homeowners are NOT powerless. Lenders are willing to provide retention, workout solutions (ways to keep your house). One of the most .

Housing Counselors to Avoid Foreclosure

(July 03, 2008)  HUD Certified Housing Counselors are a nonprofit organization that offers advice and resources to help homeowners with financial challenges. 1. Non-profit housing and credit counselors are particularly helpful in assisting to analyze your financial situation. 2. These organizations help borrowers .

Forbearance Agreements to Avoid Foreclosure

(July 03, 2008)  Forbearance is an agreement between the lender and the borrower that will stop the foreclosure process and allow the borrower to make up back payments. 1. The lender will temporarily let the borrower pay less than the full amount of the mortgage payment, or pay nothing at all, during the ..

Foreclosure Process Tips to Understanding It

(July 03, 2008)  The foreclosure process changes somewhat depending on the lender and the state in which the property is owned. However, generally the foreclosure process include: 1. Redemption/Reinstatement Period: The lender or the lender's attorney contacts the borrower and gives a deadline (by phone and/or in ..

Short Sales to Avoid Foreclosure

(July 03, 2008)  Liquidation options can help reduce the negative effect on your credit reputation. There are several different ways this might occur depending upon your financial circumstances. If you simply can't afford to stay in your home and haven't been able to sell it, you may qualify sell or “short ..

Loan Modification to Avoid Foreclosure

(July 03, 2008)  There are many legal techniques to Avoid Foreclosure. A loan modification is a written agreement between the borrower and the lender that permanently changes one or more of the original terms of your note to make the payments more affordable. A loan modification can be an effective legal strategy ..


  • Facciata di un edificio ex area STA.VE.CO in degrado . (Città proibita/Fobidden city)
  • Bugis and Jalan Besar
  • Ever Changing...
  • Playing with colors
  • Redhill Road
  • PPS_KT_9382