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所在平台: Udemy |
课程主页: https://www.udemy.com/course/how-to-get-out-of-foreclosure-with-a-loan-modification/
课程评论：没有评论
以下是关于Coursera课程“如何通过贷款重组摆脱止赎”的内容摘要： 本课程旨在指导那些面临房屋止赎困境的个人，通过“贷款重组”（loan modification）这一潜在的“救命”方法来避免失去房屋。 课程的核心内容是解释贷款重组的运作方式。贷款重组是一种允许借款人恢复到正常还款状态的机制，即使已经拖欠多期付款，甚至止赎程序已经启动。通过贷款重组，借款人有机会“重新激活”其贷款，并根据当前的财务状况调整月供，使其变得可负担。 与一次性筹集大笔资金来保住房屋不同，贷款重组将焦点放在能否按时支付调整后的月供上。课程强调，申请贷款重组需要时间和遵循一套特定的步骤，否则可能因不合规而被拒绝。 一旦申请启动，止赎程序将暂时停止，为借款人与抵押贷款公司争取时间和机会来审查文件并寻找解决方案。大多数贷款机构更倾向于提供贷款重组方案，而非进行止赎。因此，课程鼓励学员积极了解自己是否符合贷款重组的资格。 课程的专家分享了自身因不了解贷款重组而经历止赎的痛苦经历。她发现抵押贷款公司在催缴全额欠款时非常积极，但并未主动告知贷款重组的可能性，这让她感到沮丧。然而，在主动了解并申请贷款重组后，她成功地恢复了正常还款。她希望通过分享自己的经验，帮助面临类似困境的学员也能抓住贷款重组的机会。 总而言之，本课程是一份关于如何利用贷款重组来解决房屋止赎问题的实用指南。
If You Want To Learn How to Get Out of Foreclosure with a Loan Modification, Then Get This Potentially Life Saving Guide!A home loan remodification is a method you may qualify for that allows you to get current again. If you are behind several payments, you may be in fear of foreclosure. Perhaps that process has already been started and you are afraid you will lose your home. A loan remodification can allow you to re-age your loan and get a payment you can afford with your current financial circumstances.Instead of trying to come up with a lump sum of money to save your home, you only have to focus on being able to meet that monthly mortgage payment. The process to qualify for a home loan remodification takes time and you have to follow the steps or you can be denied for failure to comply.Once your application is in motion, the foreclosure process will be put on hold. This gives you and the mortgage company time to go through all of the paperwork and see what can be done. Most lenders want to extend a remodification loan to you rather than foreclosure on the property. With that in mind, it is to your advantage to see if you qualify.About the ExpertI didn't know about loan remodification until my home was already in foreclosure. I was trying to explore my options and came across the details. I was frustrated that my mortgage company hadn't taken the time to share that with me as a possibility. They had no trouble calling me at least twice per week to ask for the full amount I was due. They refused to take payments and didn't seem to care about the reason why I was getting behind.Armed with information, I called them and asked for a loan remodification application. I am glad I did as it got me back on track with my home loan. I am hopeful this process can do the same for you. If you are facing foreclosure, you definitely want to look into home loan remodification as an opportunity.
