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10 Tips To Help You Keep Your House

By Cathy Moran

keeping your home

When financial trouble rears its head, keeping the house becomes a number one priority.

Whether the pinch is caused by loss of income, a loan that resets, or business slow down, you can find making the mortgage payments a challenge.  Not to mention sorting out escrow screwups and changes of servicers.

So, we’re rounding up some of our best posts on real estate, mortgage accounting, foreclosure prevention, and houses in bankruptcy here on one page.

mortgage debtUnderstanding what you owe on your mortgage  

Five basics that explain why the payoff of your home loan isn’t necessarily the principal balance and why the lender says you’re due for last month when you sent a full payment.

 

save houseHow Chapter 13 works to save your house

Once you file bankruptcy to stop the foreclosure, what happens next in Chapter 13 and how does it help you keep your house.

 

Your house needs an annual mortgage check up with RESPA

How to use your rights under the Dodd Frank Act to get straight forward answers about your home loan file and just what the lender claims you owe.

 

reverse mortgageThe truth about reverse mortgages  

While tapping  accumulated equity in your home seems logical, a reverse mortgage is full of catches that may trap you, your spouse, or your heirs.  Things to watch out for.

 

lien stripWiping out liens in bankruptcy 

Underwater mortgage liens can be stripped off of your home in a Chapter 13 bankruptcy.  Complete your plan and the lien with no value is forever void.

Borrower mistreatment in loan modifications: courts are fed up   

Federal District Judge finds that banks have a common law duty of care when they consider a loan modification.  Harm to the borrower is foreseeable if the servicer fails to route the application properly.

Six things you didn’t know about the California homestead 

More powerful than you thought, with limitations that are poorly known, a California homestead is the superhero of exemptions.

homeowners insuranceWhy your lender’s insurance is no good for you 

When your lender obtains insurance on your home, you’re in a world of trouble.  The bank is not looking out for you, neither in cost or coverage.

loan modification battlesTrouble persists after the loan modification  

The struggle isn’t over when you’re told you have a loan modification.  Dig into the tricks employed by loan servicers to keep homeowners from real relief and how to fight back.

 

CALIFORNIA foreclosureYour rights in a California foreclosure 

Foreclosure is a process, not a place.  Until there is an actual foreclosure sale, your rights to the property are unchanged.  Don’t be exploited.

More from the Soapbox

  • Student loans & deciding who to payStudent loans & deciding who to pay
  • 4 Easy Tips To Prepare For Bankruptcy4 Easy Tips To Prepare For Bankruptcy
  • Closing Up ShopClosing Up Shop
  • Make Sure Your Mortgage Is Current At Bankruptcy’s EndMake Sure Your Mortgage Is Current At Bankruptcy’s End
  • Small businesses increasingly seek bankruptcy reliefSmall businesses increasingly seek bankruptcy relief

Filed Under: Real property & mortgages

About Cathy Moran

I'm a veteran bankruptcy lawyer and consumer advocate in California's Silicon Valley. I write, teach, and speak in the hopes of expanding understanding of how bankruptcy can make life better in a family's future.

Coronavirus & Your Finances

About The Soapbox

You've arrived at the Bankruptcy Soapbox, a resource of bankruptcy information and consumer law.

Soapbox is a companion site to Bankruptcy in Brief, where I try to be largely explanatory and even handed (Note I said "try").

Here, I allow myself to tell stories and express strong opinions on how I think law should work for the consumer and small businesses when it comes to debt.

Moran Law Group
Bankruptcy specialists for individuals and small businesses in the San Francisco Bay Area

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