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Foreclosure is a difficult time for anyone. Yet, you must make important decisions about the future of your home. There’s not much time and you need to act fast for the best end result. Thankfully, you do have some choices that can stop foreclosure right away. Read on to learn about methods often used to stop foreclosure fast.

Refinance And Payoff the Loan

A refinance to stop foreclosure only works in some in some cases. If you have enough equity in your home and a steady income, you may be a perfect candidate for a refinance payoff. This is when a bank finances a new loan, supplying the money to pay off the initial mortgage plus any fees and penalties. By paying off the mortgage, you avoid foreclosure. If you have an ARM mortgage that has recently gone up, you may be an ideal candidate for a refinance loan as well.

Bankruptcy Filing

Bankruptcy is generally a last resort option because it comes with many drawbacks. Declaring bankruptcy to stop foreclosure is only effective for a short while. All it serves to accomplish is to delay it until the bankruptcy court says it may go forward. Bankruptcy should not be the answer if the foreclosure is your only major financial problem.

Short Sale

In a short sale, you sell the home for less than the full balance of your mortgage loan and the lender consideres this full payment. Short sales are used in some cases where the real estate market makes is unlikely that the home will sell for full price. To find out if this is a choice you have, you can attempt to negotiate with your bank to see if they would permit it.

Deed in Lieu of Foreclosure

If you have decided that you won’t be trying to keep the property, you can stop the most stressful part of the foreclosure process by offering a “Deed in Lieu of Foreclosure”. This is when you literally offer the bank the deed and in return they stop the foreclosure process. To find out if your bank would consider such an arrangement, you can negotiate it with their loss mitigation department.

All of these are popular ways that people use to stop a foreclosure from happening. In an ideal world, you would have more time to negotiate solutions. When it comes to foreclosure, the more time you have the more options you have as well.