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or simply intimidated by them?

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Simply submit some information, and we will get back to you within 24 hours
with a detailed and insightful analysis on what is available and in your best interests.

Rely on the experts at JEBENA, INC to help interpret all these numbers to create
meaning for you, and find the right lender with the right product for your situation.

Short sale:

In a short sale, the homeowner is allowed (by the lender) to sell their property for a price less than the mortgage. While the sale price is typically lower than the balance on the mortgage, the lender will usually agree to a short sale because it is typically better for the lender than a foreclosure.
Short sales are utilized by homeowners to avoid foreclosure and bankruptcy. Engaging in a short sale halts the foreclosure process, and typically immunizes the borrower from any further lawsuits from the lender. For those that do not qualify for a loan modification, the short sale is an option; it is a way to cut financial exposure after the short sale.

Deed in lieu of foreclosure:

A deed in lieu of foreclosure is when the homeowner gives a property back to the lender. This is not common in New York for a primary residence. This usually occurs when the homeowner cannot afford the mortgage anymore, and cannot make payments to become current on the mortgage. The lender then sells the property for whatever it can get. The homeowner walks away from the problem. In a free and confidential consultation, our firm can discuss your particular case and situation, and determine if this is the correct course of action for you and your property

Foreclosures:
If you are about to lose your home due to foreclosure you do not have a lot of options.

• Forbearance: Arrangements where the mortgage company allows a borrower to pay less than the full amount owed per month, or even pay nothing, depending on the situation.
• Reinstatements: Permits delinquent homeowners to balance out their accounts with the mortgage company at a future date, typically by paying a lump sum.
• Repayment: Certain plans allow partial contributions of arrears over an extended period of time, often as add-ons to the regular monthly payment.
• Loan modifications: Changes basic terms of a mortgage account. Usually these involve conversion of adjustable-rate mortgages into more affordable fixed-rate loans, rolling all missed payments onto the existing loan balance, or lengthening the term of the mortgage, giving the borrower more years to pay off the debt.

To find out if you qualify for bail-out, contact us via this form and allow 1 hour for a response.
1st Home

 

Owning your first home is easy with the right professional guidance.  The experience of finding answers for first time buyers can be overwhelming.  Rely on an expert at JEBENA, INC. to help guide you to the best lender for this major step.
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Refinance

Also known as 'refi', Mortgage Refinancing refers to applying for a secured loan intended to replace an existing loan secured by the same assets. The most common consumer refinancing is for a home mortgage. Refinancing may be undertaken to reduce interest costs (by refinancing at a lower rate), to pay off other debts, to reduce one's periodic payment obligations (sometimes by taking a longer-term loan), to reduce risk (such as by refinancing from a variable-rate to a fixed-rate loan), and/or to liquidate some or all of the equity that has accumulated in real property during the tenure of ownership. It is advisable to speak with a financial professional, familiar with your existing home loan, before deciding to refinance.

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