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Foreclosures Are Rising But You Still Have Options

When you see headlines about foreclosure rates going up, it can feel overwhelming even scary. But if you’re falling behind on your mortgage payments, you’re not out of options. The most important step is acting early, and you don’t have to face this alone.
When you see headlines about foreclosure rates going up, it can feel overwhelming even scary. But if you’re falling behind on your mortgage payments, you’re not out of options. The most important step is acting early, and you don’t have to face this alone.

At LJ Realty Team & LJ Mortgage Team, we connect homeowners with trusted professionals who can guide you through every available path whether your goal is to avoid foreclosure or sell before it ever hits your record.


What Are Your Options If You’re Behind on Payments?


🔹 1. Explore Solutions to Avoid Foreclosure

Depending on your situation, you may still be able to stay in your home. Professionals can help you look into:

  • Loan modifications

  • Forbearance plans

  • Repayment plans

  • Refinancing possibilities (if applicable)

These tools exist specifically to help homeowners recover from temporary financial setbacks.


🔹 2. Sell Before Foreclosure Affects Your Credit

If staying in the home isn’t possible, selling before foreclosure appears on your record can protect your credit and give you more control. Options include:

  • Traditional sale

  • Short sale

  • Selling with remaining equity to walk away with cash

We help you understand:

  • Your current equity

  • Your realistic timeline

  • The best strategy for your next move

No matter your situation, you deserve clarity, support, and a plan.


You Don’t Have to Navigate This Alone

Foreclosure doesn’t happen overnight. Acting early before the bank does gives you more choices and better outcomes.

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📲 Call or text today to talk about your options: 516-218-1297


LJ — Your Local Guide to Homeownership!

127-03 Rockaway Blvd South Ozone Park, NY 11420

(516) 218-1297

LJ Realty Team Buy - Sell - Rent Equal Housing Opportunity


LJ Mortgage Team Inc. NMLS# 2120286Purchase & Refinance NYS Registered Mortgage Broker, NYS Dept. of Financial Services. Broker arranges mortgage loans with third-party providers. MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-Party Providers. We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.

NMLS ID # 2120286 www.nmlsconsumeraccess.org


 
 
 

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