florida foreclosures
Do you need a license to do property preservation in Florida?
I am thinking about getting the program for http://www.cleanoutsuccess.com , its the best value ive found and looks good. But I am not sure about licensing in Florida to do foreclosure trash outs and property preservation?
You only need a general contractors license and a bond.
Desperate Measures for those Seeking Florida Foreclosure Help
Florida homeowners have been among the worst hit by the nationwide housing crisis. Florida housing prices have seen substantial declines, with the choice Miami/Ft. Lauderdale/Miami Beach area seeing the worst fall in median sales price of 32%, followed by the Orlando metro area with 27 percent. The fall in housing prices contributed to Florida having the second-highest total of foreclosures among all US states in 2008, with 4.52% of total housing units, or 385,309 properties, experiencing a foreclosure filing. This means that 1 in 22 housing units faced foreclosure in 2008.
Fortunately, Florida foreclosure help is readily available for those who need it. In Florida, your options for foreclosure help are to file for bankruptcy, sell your house even at a loss or allow the bank to repossess your property. Unfortunately, Florida state law dictates that you are still responsible for any deficiency in the loan once the property has been sold. Thus, if your housing loan is $300,000 but you were only able to sell your house for $225,000, you still have to pay the lender the remaining $75,000.
If you are already having trouble making your mortgage payments or are in danger of becoming delinquent, the first step before seeking Florida foreclosure help is for homeowners to face the problem squarely. If you are already receiving letters or phone calls from your bank or lending institution, don’t ignore them. Contact them and assure them that you will pay your loan.
Then you should assess your household finances. Look at the size of your loan and how much your monthly payments are. Then assess your income, household spending and assets. Look at expenses that you can cut down or eliminate altogether. Unfortunately, apart from food and utilities, you will have to prioritize your housing loan to keep you from losing your home. To generate more resources to help you service your loan, you should also consider selling whatever assets you can spare. These measures may help convince your lender to refinance your loan with easier terms.
If you need further assistance, you should consider consulting a foreclosure avoidance counselor. The counselor can help you determine if you are eligible for loan modification or refinance under the Making Home Affordable program of the Obama administration’s Homeowner Affordability and Stability Plan. These services are provided free of charge by nonprofit agencies and are funded in part by the Federal government through the Department of Housing and Urban Development.
But the one thing seekers of Florida foreclosure help should never do is become desperate enough to fall for scams. These scams include: having to pay high fees for services that you should get for free; signing over the deed to your home in the mistaken belief you are signing ‘new’ mortgage papers; and reassigning your home to new owners believing that they will service the mortgage while you make rent payments in the belief you will eventually be able to repurchase your home.
If you really can’t keep your home, there is also Florida foreclosure help resources to provide you with rental and relocation assistance. In these hard economic times, it is reassuring to know that there are many resources available to ease homeowners’ difficulties.
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Florida Foreclosed Homes – FL
