USDA loans are mortgages backed by the U.S. Department of Agriculture offered by lenders for purchasing homes in eligible rural areas. When you’re struggling to pay your USDA mortgage, the idea of navigating a USDA foreclosure is probably at the top of your mind. USDA loans are similar to conventional loans. However, there are important…
Having negative reports on your credit report can negatively impact your credit score. This can be an issue, especially if the negative reports are inaccurate. If you’ve successfully stopped a foreclosure, your credit report may even reflect a foreclosure that didn’t happen. If you have incorrect reports on your credit report, you can dispute items…
Navigating mortgage modifications and struggling to make mortgage payments can be difficult. As a homeowner, it can be difficult to understand your options if you’ve had a loan modification and are struggling to make your monthly mortgage payments. If you’ve had a loan modification, it’s understandable that you may be wondering about your refinance options….
The U.S. Department of Agriculture sets loss mitigation rules that lenders have to follow for homeowners with USDA loans. If you have a USDA loan and are struggling to make mortgage payments, there may be loss mitigation options available to you. The USDA loss mitigation guide sets rules for lender action on delinquent mortgages. If…
The Federal Housing Administration (FHA) loss mitigation options are outlined for homeowners with an FHA loan who are delinquent on their mortgage or struggling to make mortgage payments. The FHA also outlines these loss mitigation options for lenders issuing FHA-backed mortgages. Lenders are expected to follow the loss mitigation guidelines and offer these options to…
Title insurance can be a useful tool for homeowners. It can help them protect their homes and their titles. Having title insurance is recommended and sometimes required when purchasing a home that’s been foreclosed on. Title insurance can also be useful if you’re purchasing a home that hasn’t been involved in a foreclosure. Joshua Denbeaux…
Are you being foreclosed on by Loan Funder LLC? You may be able to defend your property from commercial foreclosures by Loan Funder LLC. Lenders like Loan Funder LLC must comply with federal laws regulating lending and business practices. You may be able to fight against a commercial property foreclosure if your lender breaks federal…
Getting a lien release from a defunct lender or a lender no longer in business can be difficult. With no lender to contact, you may be unsure how to get a lien release or what steps to take. Joshua Denbeaux is a New Jersey attorney with experience working with various lenders. Contact us today to…
Property partition lawsuits allow co-owners of a property to divide their shared interest in a property when they can’t agree on the division of property. Partitioning a property with a spouse can be more complicated. Instead of using a property partition lawsuit, married spouses typically divide property through a different process. If you are facing…
The Servicemembers Civil Relief Act (SCRA) offers protection for active duty service members against foreclosure. If you are an active duty service member or have been in the last 12 months, SCRA protection against mortgage foreclosure should offer you options to delay or prevent foreclosure. Contact Denbeaux Law to learn about your foreclosure protections and…