Should I sell my house as-is even if it needs repairs?

That depends on your situation and abilities. If the house repairs are more than you can handle, and you have limited time and/or resources, then yes selling your house as-is could be the right decision.

How do I stop foreclosure?

If the property is facing mortgage or tax foreclosure, it is better to figure out a plan now rather than later as interest adds up and life moves fast. Here are some of the most common ways to stop a foreclosure.

1) Pay the debt - Find out the exact amount owed to stop the foreclosure by either calling or referring to the documents you already have and pay what is needed to stop the foreclosure.

2) Sell something of value that you own - This may be hard for you because the item may be sentimental, but its an option none the less. Sell the item(s) and pay the debt to get caught up.

3) Loan Modification (Mortgage Foreclosure only) - Call the bank and ask them if your situation qualifies for a loan modification. The bank will sometimes be willing to take the amount passed due and put it on the back end of your loan, which will bring you up to date on the amount owed. The bank may not be willing to help, but its worth a shot.

4) Payment Plan (Tax Foreclosure only) - Get in contact with the County the property is located in and ask for payment plan options. This can be be a good option, but just be aware that the County will charge a high interest rate and you are not actually solving the problem. You are only “kicking the can down the road”. Future you will still need to figure out another plan.

5) Loan from family or friend - See if a family member or friend will lend you some money to help you get caught up.

6) Sell the property - Sell the property and walk away with cash. The buyer will pay the outstanding debts. Just make sure you sell in time before the foreclosure happens so you don’t lose the property to ignorance/inexperience. The closer to the foreclosure date, the harder it will be to find a buyer and sell in time. If you have enough time and resources, selling the property on the market may be a good choice for you. If you sell to an investor or cash buyer, just make sure they are qualified to get the job done right and in time. If you are less than a month away from the auction date, it is even more important that everyone involved is experienced in this situation.

What if I owe more than my house is worth?

If you owe more than your house is worth,

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