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Van Horn Law Group Blog

Breaking News for Florida Homeowners in Foreclosure

Posted by Chad Van Horn on Nov 9, 2016 7:00:00 AM

First, a little background on the origin of Bartram v. US Bank. This began in 2006, when a foreclosure suit was initiated against Lewis Bartram. It was alleged by US Bank that he stopped making payments on a $650,000 mortgage in the aftermath of a divorce. In 2011, the former Mrs. Bartram initiated her own suit – this one to foreclose on her mortgage, and naming the bank, her former husband, and the homeowners’ association as the defendants. Shortly thereafter the foreclosure suit initiated against Lewis Bartram was dismissed when the bank failed to show up at a case management conference. The bank at the time did not appeal the dismissal.

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Topics: Foreclosure Defense

Deed in Lieu of Foreclosure vs. Short Sale

Posted by Chad Van Horn on Jul 5, 2016 7:30:00 AM

Going through foreclosure is one of the most stressful and traumatic experiences that anyone can face. Our homes are not just financial investments but emotional ones as well. By the time you actually get to foreclosure you’ve probably tried everything you can to salvage the situation. You may be actively trying to sell the home as a short sale in order to avoid an even more negative impact on your credit report with a full foreclosure process. Through the Home Affordable Foreclosure Alternatives program the processes more streamlined than it previously was, but it can still take time to sell the house. Further complications arise if you also have second or even third mortgages on the home. These lenders must also be satisfied with either a short sale or a deed in lieu of foreclosure.

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Topics: Foreclosure Defense

Mailbag: When Should I Talk to a Foreclosure Defense Attorney?

Posted by Chad Van Horn on Feb 12, 2016 7:30:00 AM

Q: I’m terrified that I could lose my home to foreclosure. It hasn’t happened yet, but it’s sometimes been really close in the last year. I’ve been trying to fight it off on my own, but I can’t get the lender or servicer to listen. When do I need to hire a foreclosure defense attorney?

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Topics: Foreclosure Defense

Federal Rate Hikes and the Mortgage: What You Can Do

Posted by Chad Van Horn on Jan 18, 2016 7:30:00 AM

No news is good news, and we’ve got news. For those of you who have been hiding under the desk with the wastebasket over your head, the Federal Reserve agreed that the economy is healthy enough to sustain an interest rate hike of one-quarter point or .25 percent. There’s been some dramatics over it, with Wall Street having a minor tantrum, but the overall effect remains to be seen as the banks are weaned off the policy of free money. The federal rate hikes may not be done yet. There could be more coming in 2016 and into 2017. There’s going to be a lot of second guessing and talking head activity, but what concerns most people is the effect that this could have on interest rates for their credit cards, student loans, and mortgages. 

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Topics: Get Out of Debt, Foreclosure Defense

November 2015 Florida Housing and Foreclosure Report

Posted by Chad Van Horn on Dec 21, 2015 7:30:00 AM

November housing stats offered some interesting data points as they impact investors, home buyers, landlords and renters in Broward County.   We share some of this key data below. 

Broward's Housing Market

(Graph provided by Zillow)
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Topics: Foreclosure Defense, Housing Report

Avoiding Panic in Foreclosure

Posted by Chad Van Horn on Jul 13, 2015 11:16:53 AM

Foreclosure seems like the End Times for anyone affected by it, for the simple reason that it's usually unfathomable that it can happen to you – until it does. Panic is usually the first reaction to a foreclosure notice, but as with all difficult situations, it's the absolute worst reaction. While the number of foreclosures in 2014 has fallen to its lowest level since 2006, that's still over a million of properties affected.

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Topics: Foreclosure Defense

American Horror Story: Paying Your Mortgage and Still Being Foreclosed

Posted by Chad Van Horn on Apr 30, 2015 8:18:13 AM

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Topics: Foreclosure Defense, Customer Success Story

What To Do if You Are in Foreclosure

Posted by Chad Van Horn on Feb 25, 2015 1:30:00 PM

Being in foreclosure can be a frightening situation. It creates stress on you and your family, but it is a manageable process. Housing Wire predicts that there will be more foreclosures in 2015 than in 2014 due to a number of economic factors. Here are some tips on what steps you should take first.

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Topics: Foreclosure Defense

Tips for Qualifying for Loan Modification Programs

Posted by Chad Van Horn on Feb 23, 2015 8:33:00 AM

The loan that you initially qualify for may work for you at the time of qualification. Unfortunately, life tends to change, and when it changes, you may find yourself unprepared. Fortunately, numerous programs exist to help people qualify for loan modifications. The Ocwen Loan Servicing, for instance, reports that they have helped more than 100,000 people with mortgages since 2010. Here are some tips for getting involved in one of these programs.

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Topics: Foreclosure Defense

Options to Avoid Losing Your Home

Posted by Chad Van Horn on Feb 17, 2015 8:55:52 AM

Foreclosure is not nearly so prevalent now as it was between 2008 and 2012. CNN reports that between 2014 and 2012, foreclosures have decreased more than 25%. Even so, many home owners are still at risk of foreclosure and bankruptcy. Neither of these events are the end of the world. Freddie Mac reassures families and homeowners that they can eventually rebuild their credit and avoid most permanent ramifications, but even so it's best to explore other options before you let your house be foreclosed on.

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Topics: Foreclosure Defense

 

About Chad Van Horn

Chad_Van_Horn

Chad T. Van Horn, Esq. is a South Florida business leader and founding partner attorney of Van Horn Law Group, P.A. Through a combination of dedicated philanthropy, spirited entrepreneurship and legal expertise, he applies his resources and network to helping people. Learn more about Chad Van Horn.

 

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