The Federal Housing Administration (FHA) is a government program that offers loans to borrowers who are looking to buy a home. There are some perks of obtaining an FHA loan vs a conventional loan, like being able to come in with a much lower down payment or getting away with

Are you a California homeowner who is struggling to make your mortgage payments? Are you worried about foreclosure? If so, you’re not alone. Every day, thousands of homeowners find themselves in the same situation. We know; we talk to and help so many of them all the time.  The reality

Your lender has been sending you regular “reminders” of your overdue mortgage payments and probably has even warned you that this was coming. But it can still be a shock when a notice of default arrives in the mail. It makes your financial problem official. But now is not the

If you’ve missed a mortgage payment or two and are concerned that the bank may foreclose on your home, take heart. There are things you can do to avoid foreclosure. No one wants a home foreclosure—neither you nor your lenders. Your lender wants payment, not a house. They may be

You may not want your bank to know that you’re facing financial difficulties. It’s the kind of conversation that we all would prefer to avoid. But that is the first thing you should do when you realize there is potential trouble with your mortgage payments ahead. Believe it or not,

Some problems have a snowball effect. Maybe you lost your job and, even if you were only unemployed for a short time, now you are having trouble paying your bills. Your mortgage is the biggest concern because you have a lot riding on it—your home, for one, and your credit

Even with the best intentions, the worst circumstances can cause you to fall behind on your mortgage. Anything from the accumulation of medical bills to the loss of loved one may force you to choose between which financial obligations are the most important to meet. Sometimes, it is tough to

[vc_row full_width=”stretch_row” bg_type=”image” parallax_style=”vcpb-default” bg_image_new=”id^897|url^https://osbornehomes.com//wp-content/uploads/2018/09/foreclosure-banner-1.jpg|caption^null|alt^House with foreclosure sign|title^foreclosure-banner|description^null” bg_image_repeat=”no-repeat”][vc_column][vc_row_inner equal_height=”yes” content_placement=”middle” css=”.vc_custom_1526568834763{padding-top: 20px !important;padding-bottom: 50px !important;}”][vc_column_inner width=”1/3″][ultimate_spacer height=”40″][vc_column_text css_animation=”fadeInLeft” el_class=”white-title banner-title” css=”.vc_custom_1648542423631{margin-bottom: 10px !important;}”] What You Should Know About the California Foreclosure Process  [/vc_column_text][ultimate_spacer height=”40″][/vc_column_inner][vc_column_inner width=”2/3″][ult_content_box box_shadow=”horizontal:px|vertical:px|blur:px|spread:px|style:none|” hover_box_shadow=”horizontal:px|vertical:px|blur:px|spread:px|style:none|” bg_color=”rgba(0,0,0,0.6)” border=”border-style:solid;|border-width:2px;border-radius:5px;|border-color:#ffd858;” padding=”padding:40px;” hover_border_color=”#ffd858″][vc_column_text css_animation=”fadeIn” el_class=”white-title banner-title” css=”.vc_custom_1592263344503{margin-bottom: 10px !important;}”] GET YOUR NO

When the unexpected happens, like a debilitating illness, the loss of a job, or divorce, the burden to care for yourself and your family can become so great that your financial obligations have to take a back seat. Sometimes that includes making the mortgage payments on time, if you’re able