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Save Home From Forclosure

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I looked at a home recently that had terrible scratching on the back door from a pet, presumably a dog, scratching to get in. While this is a natural response for dogs, this damage is preventable. If you have a dog, or even a cat, and you know they tend to scratch on the door to get in or out, consider installing a piece of plywood over the area most likely to be affected, or perhaps even the entire bottom half of the door. This can be painted to match the rest of the door, so it isn't making your home ugly. Then, when it's time to sell, remove the wood panel and the only damage done is a couple of tiny screw holes. These can be easily patched and touched up to match the door.



This house I looked at also had scratch and chew marks on the inside and outside of the bathroom door. I have no idea how this happened. I can only presume that the owner left a dog, perhaps a puppy, locked in the bathroom while they were away from the house. But then how to explain the chewing on the outside of the door? Perhaps they had another dog, and the two needed to be separated but fought through the door? I really don't know, but I do know that this home needs the door and door frame replaced. Instead of locking your pets in a room, consider buying a large plastic pet crate. This will keep them, and your house, safe and sound while you are at work. Please don't leave them locked up for too long, and remember to provide dogs with a toy or treat to chew on.

If a crate won't work, consider looking for a "doggy day-care" in your area. Many professional kennels have day programs for dogs, and some trainers I have heard of have opened up day-care for dogs, complete with a group trip to the nearest off-leash park. This can be a better option for high-energy dogs, or those that need some socializing.

If you have carpets, the chances of a dog peeing or cat spraying on it eventually is high. Luckily there are plenty of products on the market now to dissolve pet odors. Some tend to mask odors while others have enzymes that are supposed to actually dissolve the cause of the odor.

When it is home showing time, consider your pets impact on a potential buyers impression of your home. Clean carpets and drapes to have a fresher smell. Empty and wash out litter boxes. Pick up any toys or "dog bombs" in the yard. Since dogs tend to find just about anything to take outside and chew, be sure their garbage has been picked up. Also, think about where your pet's feeding dishes are located. It is best to wash these and store them out of site on days when your home is being shown.

Finally, consider where your pet will be on showing days. It is not a good idea to have a dog home when a RealtorĀ® comes by, especially if you aren't home. This could turn into a safety issue if the dog gets protective, or at the least, highly unpleasant for anyone who doesn't really like dogs.

Although outdoor cats might be fine hanging about on a showing day, if they are indoor pets only, having strange people come and go could give them too much opportunity to run outside and get lost. It is probably best to rent a kennel for any open-house or showing days.
Save Home From Forclosure
When the foreclosure of your home by your lending institution seems to be looming just around the corner, it can be a frightening and embarrassing situation. But if you happen to be facing foreclosure, it's important for you to contact your lender, have an open, honest discussion about your difficulty, and then try to work with them to come up with a short-term alternative plan that will get you back on track when your financial situation improves. You'll generally find your lender to be sympathetic and eager to help.

In some surprising results, a 2004 Freddie Mac study showed that borrowers who contact their lenders and work out a customized payment plan can reduce their chance of losing their home to foreclosure by an amazing 80 percent! Among low-to-moderate income borrowers, the figure is somewhat lower, but it's still right around 68 percent. Either way, those figures represent a significant chance for you to save your home -- and they are options well worth pursuing.

Wells Fargo Home Mortgage also discovered a similar trend in their own recent study, and as a result, the company has begun to actively try to educate borrowers about what their options are when they find themselves in financial difficulty. The Wells Fargo study mirrored the Freddie Mac findings, but the truth is that most lenders will be similarly helpful when a borrower contacts them and lays out their situation so an amicable agreement can be arranged.

Make no mistake: facing foreclosure can be one of the worst times in a person's life, but you CAN save your home if you're willing to summon the courage to talk openly and honestly with your lender to find a short-term solution to your current financial woes.

Remember, your lender doesn't WANT to own your home, so they'll generally be glad to work out an arrangement to help you keep it. If you want to get some ideas about what kinds of arrangements can be made, call your lender and ask them about a "Workout Plan."

Don't wait. If you're late with a mortgage payment, gather all your mortgage information, figure out what you can do to make up past payments, and call your mortgage company.

Copyright (c) 2006 Jeanette J. Fisher
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Both Re Writer & Jeanette Joy Fisher are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Re Writer has sinced written about articles on various topics from Family, Austin Properties and The Beach Resort. This article was provided by the writing team of Kelli Bennett and her team of qualified. Re Writer's top article generates over 1500000 views. to your Favourites.

Jeanette Joy Fisher has sinced written about articles on various topics from Real Estate, Network Marketing and Real Estate. . Get expert advice on building your credit from mortgage and real estate college instructor. Jeanette Joy Fisher's top article generates over 135000 views. to your Favourites.
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