Do you need to know how to stop a foreclosure on Oahu, Hawaii? You’re not alone. Even though recent reports show that Oahu foreclosures are roughly half of what they were a year ago, that’s no consolation to good homeowners who still find themselves behind in their mortgage and afraid to lose their house.

If you can’t pay your mortgage and your bank has sent you a Notice of Default or some other correspondence indicating a foreclosure is coming, then it’s time to take action NOW. Waiting solves nothing and only makes things worse.

Waiting to act only makes things worse.

If you find yourself in this situation, then please start taking action immediately. The longer you wait, the more your debt to your bank will increase. This means it will be even harder to either sell your house for cash or to complete a successful short sale. Waiting only reduces the equity in your home, if you have any, or makes a negative equity situation (underwater mortgage) worse. Make sense? Acting now, no matter what the action is, is going to help.

How to Stop a Foreclosure – Your Options

1. You first need to decide: do you want to try to keep your house OR do you want to sell your house now for cash and move on?

2. If you want to try and keep your house, then you’ll need to either work out a form of loan modification with your lender or come up with the money to bring your loan current (payoff the arrears). You’ll need to speak with your lender and provide their required financial documentation that shows you can make a reduced mortgage payment. Even then, you should know that most people attempting a loan modification with their lender, even if they are initially accepted, not only find themselves right back where they started — they find themselves worse off because of time lost and increased debt. Not every one qualifies for a loan modification, and fewer people find it works out in the long term.

3. You can also consider filing bankruptcy as a way to halt any scheduled foreclosure auction, but please talk with a bankruptcy attorney if you’re considering this and don’t consider this legal advice (we’re not attorneys). It’s a method sometimes used by people in this situation, but it may not be what’s best for you.

4. Another way for how to stop a foreclosure is selling your house “as is” for cash, quickly and easily, may allow you and your family to move on and start a new chapter in your life.

You’ll be able to:

  • Sell your house “as is” in its current condition – no repairs required
  • Sell your house quickly — 14 days or less
  • Sell your house without paying any agent fees – no commissions required
  • Sell your house for CASH
  • Sell your house privately – no public listing or sign out front


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