Articles

Helpful resources for your situation.

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  • Behind on Mortgage
  • Buying a house
  • Foreclosure
  • House repairs
  • Inherited house
  • Late on property taxes
  • Owner financing
  • Selling your house
Multiple House Offers: Consider These 7 Factors
Do you have multiple offers to buy your house and need to figure out which one is best? Congratulations! Often, this means your house is in demand, and you have some negotiating power. However, rev...
    Beware of Novice Real Estate Investors
    If you’re in a complex situation with your home or need to sell it fast, selling to a professional real estate investor can be a great choice. Reputable, experienced real estate investors can give ...
      Top Reasons for Selling Your House In Divorce
      If you’re going through a divorce, it can be hard to navigate the many ramifications of keeping or selling your house. It’s likely that your home is one of the most valuable financial assets you ha...
        6 Benefits of Doing a Short Sale
        Are you having trouble making your monthly mortgage payments and owe close to or more on your house than it’s worth? A short sale can be a great option for you! With a short sale, the lender agrees...
          The Hidden Costs of Selling Your Home to an “iBuyer”
          You may have seen ads for companies that give you an instant offer over the internet for your house. These “iBuyers,” short for instant buyers, buy and sell homes the “Silicon Valley way”—using hig...
            Coronavirus: Effects on Foreclosures, Evictions, and Loan Forbearance
            Posted on April 20, 2020 Like many others, the coronavirus, also known as COVID-19, may have caused you to lose your job or suffer a loss of income. If you’re a homeowner, this loss can be devastat...
              8 Ways You Can Avoid Foreclosure
              The worst way to lose a house is through a foreclosure. We call foreclosure “the atomic bomb of credit scars.” It cuts the deepest and lasts the longest. When something affects your credit negative...
                How to Stop Foreclosure With a Temporary Restraining Order
                The best way to temporarily stop a foreclosure up to the day before an auction, and when a homeowner does not need to otherwise declare bankruptcy, may be to file a Temporary Restraining Order (TRO...
                  The 3 Options for Selling Your House
                  So, you need to sell your house. Selling in a market like today’s can sometimes be frustrating. With so many other houses on the market, it gives buyers out there more choices and sellers are often...
                    The Truth About Loan Modifications
                    The best way to stay in a home that you want to keep long-term may be a loan modification. This involves a lender modifying your payments so that you can afford to keep making them.  The modificati...
                      Sell Your House “Subject-To”
                      When you sell a house "subject-to," it means subject-to the existing mortgage on your property. The buyer agrees to make payments on the seller’s mortgage going forward in exchange for ownership of...
                        What is Owner Financing?
                        If you’re a buyer having difficulty securing a traditional mortgage with a bank, purchasing a house with owner financing could be the way to go. As a buyer, getting a mortgage can be difficult if y...
                          Frequently Asked Questions
                          Have a few questions? Most people selling their houses do. Here is a quick collection of some of the common questions we get. Who typically sells their house to Morales & Stone? We are here to help...
                            A Guide to Catching-Up on Mortgage Payments
                            Missed payments on your mortgage usually signal to the lender you may be headed for default. Before you give the lender a reason to start foreclosure proceedings, seek alternatives, such as a payme...
                              What Is a Deed-In-Lieu of Foreclosure?
                              The best way to possibly avoid foreclosure after all else fails is to offer the lender a deed-in-lieu of foreclosure. A deed-in-lieu involves signing your deed over to your lender in exchange for t...
                                Avoiding Foreclosure – Is Bankruptcy Your Best Option?
                                The best way to temporarily stop a foreclosure up to the day before an auction, and when a homeowner has unsustainable debt beyond the home mortgage, may be to declare bankruptcy. A home cannot be ...
                                  Unlock Your Home Equity - Now Is the Time!
                                  How would it change your life to be debt-free? If you’re like most people, it would open up a new range of possibilities and allow you to enjoy life more. There might be money hidden in your home. ...
                                    A Brief Guide for Selling Your Inherited House
                                    Selling a house that you’ve inherited can be filled with many emotions and challenges. That’s why it’s important to be prepared and avoid obstacles that might waste time, cost money, and inevitably...
                                      6 House Repairs That Require Immediate Action
                                      According to a recent survey, just 55 percent of Americans would handle a repair right away. What begins as a minor issue can quickly turn into a very expensive disaster if you put it off. As any h...
                                        5 Reasons to Sell Your Inherited House Quickly
                                        Inheriting a house can come with a mix of emotions. An inherited home can be a valuable asset for you and your family, but you also have to be prepared to make a number of challenging financial dec...
                                          Forbearance Plans and What They Mean for You
                                          The best way to keep a home when a homeowner has a temporary financial hardship is a forbearance plan.  A forbearance plan is an agreement made between a lender and the homeowner where the lender a...
                                            11 Ways We Buy Houses
                                            Did you know there are many different ways to sell your property that Realtors won't tell you about? Today, homeowners have many traditional and creative options for selling their property, and we ...
                                              8 Reasons to Act Quickly if Facing Foreclosure
                                              More than 85 percent of homeowners facing foreclosure NEVER reach out to anyone for help!! Foreclosure damages your credit for years. You should not delay in taking action to avoid it. We call fore...
                                                5 Pro Tips For Selling A House That Needs Repairs
                                                Should you fix up your house or sell it as-is? This is one of those questions where the answer depends on a variety of factors. What budget are you working with? How much time can you allocate? Wil...
                                                  Is a Short Sale Right for You?
                                                  The best way to sell a property that is more than 15-30% under water, without having to pay off the shortage, is to negotiate a short sale. This is also one of the most common ways to sell a proper...
                                                    My House Was Damaged by Fire. What Now?
                                                    According to the National Fire Protection Association, more than 350,000 U.S. homes were damaged by fires in 2016, resulting in $5.7 billion in damages. The pain and destruction caused by a house f...