==== ==== If You Need Help Now, Check This Out. http://relieveyourdebt.com/ ==== ==== Government Programs for Foreclosure Help Even though a huge amount of the United States' budget has been allocated to help improve the country's current standing in terms of the mortgage crisis it has fallen terribly short in helping the vast amount of Americans keep their homes. The original idea behind allocating this large chunk of money was to help American homeowners stay in their homes and avoid foreclosures. Unfortunately, the first round of the Homeowner Affordability and Stability Plan implemented in 2009 by President Obama did not help near as many as it was meant to so another plan called Homeowner Affordability and Stability Plan 2.0 came out in late 2011 to try and capture more people and help them keep their homes and avoid the foreclosure procedures. However, if you're faced with the possibility of a foreclosure and are aware of the governments plan success rate, then it would be good to get to know more about HASP and how the government plan will or will not get you the foreclosure help you need. This knowledge could make all the difference in the world as you try to keep your home. The HASP program helps homeowners avoid foreclosure through allowing them to make less in monthly payments through fixed-rate loans; as long as they qualify, which has been the straw that has broken HASPs back. The program also allows people time to refinance their mortgages, but of course, if they cant qualify, all that time is irrelevant. It doesnt matter whether youve been on time with your mortgage payments or not you can still apply for government foreclosure help. But again, you will have to qualify for the new loan. If you cant qualify, you might still be able to work with a lender to get your mortgage changed. Facing foreclosure is always stressful and difficult. However, if you can work out a modification plan it could help you for a time while you get back on your financial footing. This will help you avoid foreclosure and it'll help the lender too, because if you can agree to this, then he won't have to bother with the entire foreclosure process. Just be careful and read the agreements because lenders are known to raise the amount back up to the original within a five year period. If you have recovered by then that will work well. However, if you are still struggling then you may well be back in the same situation sooner than later. While this is just one form of government foreclosure help, there are others that are discussed in depth at http://relieveyourdebt.com/dougs-live-call-in-show including refinance options if you've been able to keep up with your monthly mortgage payments. If you can tap into the lower rates available right now this would allow you to lower your monthly payments, which can help you meet your monthly expenses better. Just know that if you choose a longer term than you have left on your current mortgage this option can cost you more in the long run. Of course, we do what we have to do to make our financial situation better through hard times. The most important thing is to find the best solution for your situation whether that is through a government, refinance or private option. Just remember, there are a lot of ways to get foreclosure help but you have to seek them out and do the work and research.
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