Struggling to make mortgage payments can be stressful, especially if you’re already behind on mortgage payments. Worrying about the foreclosure status of your home and if you’re about to lose your home can add to that stress.
If you’re worried about your home being foreclosed on, it’s a good idea to contact an attorney for help. A foreclosure attorney can help you check your home’s foreclosure status and provide options to help you postpone, avoid, or stop a foreclosure.
Joshua Denbeaux is an experienced New Jersey foreclosure lawyer. If you are at risk of foreclosure or your house is already under foreclosure, contact us today to learn more about foreclosure and how we may be able to help you stay in your home.
Foreclosure Notices
If you are behind on your mortgage payments, you should receive notices from your mortgage company about your missed payments before they begin the foreclosure process. These different notices should give you information about where you are in the foreclosure process.
Missed Payment Notice
If you miss a payment, your lender may send you a letter notifying you of your missed payments and stating that there may be consequences, such as foreclosure, if you don’t make your mortgage payments.
Notice of Default
After multiple missed payments, you should receive a notice of default from your lender. This means that your missed mortgage payments have reached a set amount or number of missed payments, and your mortgage is now in default. The notice of default serves as a secondary warning that your mortgage payments aren’t being made before foreclosure begins.
Notice of Intent
An NOI is a notice of intent to foreclose. This is a letter your mortgage company must send you before they begin the foreclosure process.
Summons and Complaint
The foreclosure summons and complaint are the official notices that a foreclosure has been filed. If you don’t respond to the summons and complaint within a certain window of time, a date for the sale of your home will be set.
If you are up to date on your mortgage payments and have received any of these notices, you should contact an attorney today. Mortgage companies often make mistakes, so do not ignore any notices about foreclosure!
How to Find Out if a Home Is in Foreclosure
The notices sent by mortgage companies can be easy to miss. If you think you’re behind on your mortgage payments or aren’t sure if your home is in foreclosure, there are a few different ways to check if a house is in foreclosure.
Call Your Lender
Calling your lender is the easiest way to check the foreclosure status of your home. They should be able to tell you the status of your mortgage and, if your mortgage is in default, whether or not an attorney has been assigned to your foreclosure.
Check Your County’s Website
You may be able to search the public records listed on your county’s website for active foreclosure cases. It’s important to note that this will only show you foreclosure cases that have already been filed. If your lender is about to file a foreclosure complaint against your home, you won’t be able to see that on the county’s website.
Check the Newspaper
If your lender hasn’t been able to get in touch with you to send you the foreclosure summons, they may be required to run the summons in the local newspaper as a way to notify you.
Contact a Foreclosure Attorney Today
Keeping track of your mortgage payments and the status of your mortgage can be difficult, especially if you are going through a time of financial hardship. No matter where you are in the foreclosure process, it’s never too late to consult a foreclosure attorney. They know of different options to avoid foreclosure that may be able to help you.
Contact Denbeaux & Denbeaux Law today to discuss the specifics of your mortgage situation and learn more about how we may be able to help you.
