{"id":702,"date":"2011-07-27T15:45:59","date_gmt":"2011-07-27T20:45:59","guid":{"rendered":"http:\/\/www.orangesand.com\/?p=702"},"modified":"2011-07-27T15:45:59","modified_gmt":"2011-07-27T20:45:59","slug":"struggling-to-make-house-payments-we-have-solutions","status":"publish","type":"post","link":"http:\/\/www.thebains.com\/blog\/2011\/07\/27\/struggling-to-make-house-payments-we-have-solutions\/","title":{"rendered":"STRUGGLING to MAKE HOUSE PAYMENTS?  WE HAVE SOLUTIONS &#8230;&#8230;&#8230;&#8230;"},"content":{"rendered":"<p>(1)\u00a0 pay your mortgage bill before ALL others.\u00a0 Missing one payment can hurt our credit rating &amp; make you ineligible to refinance.\u00a0 (2)\u00a0 Do NOT tell your bank you are struggling, but\u00a0 find a government-approved, non profit housing counselor at MakingHomeAffordable.gov or call 888-995-HOPE.\u00a0 FREE service.\u00a0 The counselor might suggest cutting your expenses or looking for extra income.\u00a0 One family rented their home &amp; then rented a cheaper place for 2 years.\u00a0 If your FICO score is above 740, then refinance.\u00a0 The Home Affordable Refinance Program (HARP) will let you refinance with negative equity.\u00a0 If your credit is BELOW 700, then less options, but BE PERSISTENT.\u00a0 Go to Home Affordable Modification Program (HAMP) to maybe get your payments reduced.\u00a0 Incidentially the often expensive closing costs can be rolled into your refinancing of the loan.\u00a0 Could do a short sale or deed in lieu of foreclosure or strategic default.\u00a0 The banks do not like this.\u00a0 Well worth pursuing if your goal is to KEEP YOUR HOME.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(1)\u00a0 pay your mortgage bill before ALL others.\u00a0 Missing one payment can hurt our credit rating &amp; make you ineligible to refinance.\u00a0 (2)\u00a0 Do NOT tell your bank you are struggling, but\u00a0 find a government-approved, non profit housing counselor at MakingHomeAffordable.gov or call 888-995-HOPE.\u00a0 FREE service.\u00a0 The counselor might suggest cutting your expenses or looking [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[],"tags":[],"_links":{"self":[{"href":"http:\/\/www.thebains.com\/blog\/wp-json\/wp\/v2\/posts\/702"}],"collection":[{"href":"http:\/\/www.thebains.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.thebains.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.thebains.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/www.thebains.com\/blog\/wp-json\/wp\/v2\/comments?post=702"}],"version-history":[{"count":0,"href":"http:\/\/www.thebains.com\/blog\/wp-json\/wp\/v2\/posts\/702\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.thebains.com\/blog\/wp-json\/wp\/v2\/media?parent=702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.thebains.com\/blog\/wp-json\/wp\/v2\/categories?post=702"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.thebains.com\/blog\/wp-json\/wp\/v2\/tags?post=702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}