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    What Is Pre-Foreclosure In The Mortgage Foreclosure Process?
    by Bob Hamilton


    The mortgage foreclosure process is a technical and complicated one. In fact a mortgage foreclosure is really the dramatic culmination of an entire process. Pre-foreclosure refers to the period of time prior to the legal process of foreclosure itself. That means the homeowner still owns their house. However, this is really the official warning period. It is the unofficial period when the homeowner definitely needs to take action to try to avoid a foreclosure.

    Have you reached the point where you are behind on your payments? Does it seem like the flood gates have opened? Have there been strangers knocking at your door, sending you mailers and calling you on the phone seeking to buy your home? Are there letters or postcards arriving in the mail from people you do not know saying they want to help you by buying your house? They tell you they want to help you avoid mortgage foreclosure. They say that they want to help so you can move on with your life.

    You are probably asking yourself how could all of these strangers become aware of your situation? How could they know that you are on a path to mortgage foreclosure? You probably also want to know if all of these people can be real and whether they can be trusted.

    When the mortgage company (also called the lien holder) recognizes that a borrower has totally stopped paying the mortgage and does not make an acceptable effort to pay, an official "notice of default" is filed. The notice of default is a recorded legal document which is filed at the county courthouse where the property records are kept. This begins the actual mortgage foreclosure process.

    It is important to note that all of these documents are public information. Anyone can obtain this public information. In fact, many real estate investors who are looking to purchase property in pre-foreclosure routinely monitor these legal documents. They are looking for home owners who are in the mortgage foreclosure process. This is how they develop their business mailing lists.

    There is no-one spying on you personally or directly. The mortgage lender has done nothing illegal. Once the documents are recorded you are in the mortgage foreclosure process. BEWARE! The answer to the question regarding whether these people are for real can be critical to your future. In some cases the answer will be yes. In others cases the answer will be a resounding no. Protect yourself by thoroughly investigating anyone you may ask to aid you.

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