Having a home is the one thing that gives property owners a great feeling of accomplishment and creates a positive attitude towards life as well. Owning a property not only represents a physical shelter and a place to share the best memories with the ones that we love but it can also be a financial shelter for many unexpected problems that can befall us.

Since properties are often thought to be a way out of financial problems, if the right amount of equity has been built over time, refinancing a property sometimes is a good idea. The fact that many home owners incur in many credit card based expenses is a good reason to take a bit of equity to relief the interest rate burden.

The truth is that constant property refinance can lead to no equity when the owner needs it the most. If the home owner has a structured settlement and is receiving periodical payments then this might help, but often this is not the case. Home owners need much more than just a small monthly payment to remain financially solvent and to avoid loosing their precious home.

Foreclosure is a real problem which needs to be addressed as quickly as possible, that is why it is always a smart move to turn a structured settlement into a lump sum. Having these funds available immediately can make the difference of sleeping in an apartment or sleeping on a comfortable bed at home.

When a home owner incurs in foreclosure it often means that he can no longer cover the minimum monthly payments established by the financial institution lending the funds. To the mortgage payments we often see credit card payments, car payments, second mortgage or HELOC, tuition, utility bills, property insurance, medical bills, interest rate changes, etc.

As you can see, if we add together all of the expenses mentioned above it can add up to incredibly high amounts which almost no property owner is ready for. Structured settlements represent future money which in many cases is quickly depreciated through inflation, lost interest, etc. This particular financial instrument is worth much more as present money instead of future money. We can illustrate this point better by asking the following question: 'What is worth more, one hundred dollars today or one hundred dollars in ten years?'. By now you should be able to see exactly what structured payments are, and if managed correctly, they can help property owners save their homes.

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