A number of states have enacted measures to facilitate greater communication between borrowers and lenders by requiring mortgage servicers to provide certain notices to defaulted borrowers prior to commencing a foreclosure action. The measures serve a dual purpose, providing more meaningful notice to borrowers of the status of their loans and slowing down the rate of foreclosures within these states. For instance, one state now requires a mortgagee to mail a homeowner a notice of intent to foreclose at least 45 days before initiating a foreclosure action on a loan. The notice must be in writing, and must detail all amounts that are past due and any itemized charges that must be paid to bring the loan current, inform the homeowner that he or she may have options as an alternative to foreclosure, and provide contact information of the servicer, HUD-approved foreclosure counseling agencies, and the state Office of Commissioner of Banks.
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.Houston Texas Aviso de Venta de Ejecución Hipotecaria - Intención de Ejecución Hipotecaria - Notice of Foreclosure Sale - Intent to Foreclose
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FAQ
Es el procedimiento por el cual el acreedor hipotecario (suele ser una entidad financiera) pueda cobrar su deuda mediante la ejecucion de la garantia (la vivienda hipotecada) si el deudor no cumple con su obligacion de pagar las cuotas. Si solo se han dejado sin pagar dos mensualidades, no hay problema.
Una escritura en lugar de una ejecucion hipotecaria (deed-in-lieu of foreclosure) es un arreglo en virtud del cual usted voluntariamente entrega la propiedad de su vivienda al prestamista para evitar el proceso de ejecucion hipotecaria.
Si no cumple con los pagos de su hipoteca, usted podria correr el riesgo de perder su casa. Este proceso se llama ejecucion hipotecaria o foreclosure. Mediante esta medida, el banco o agencia de credito puede desalojarlo de su vivienda y venderla.
Las 5 etapas de una Ejecucion hipotecaria Reclamacion extrajudicial. Demanda de ejecucion hipotecaria y Oposicion. Subasta judicial y adjudicacion del inmueble. Tasacion de costas y liquidacion de intereses. Lanzamiento o desahucio.
En este caso, la mejor solucion para evitar la ejecucion hipotecaria es devolverle al banco el dinero que le debemos y este pago debe producirse antes de que se celebre la subasta. De esta forma, conseguiriamos cancelar la ejecucion hipotecaria siempre y cuando la vivienda financiada fuera nuestra residencia habitual.
¿Cuanto tarda una ejecucion hipotecaria? La ejecucion hipotecaria depende del juzgado. Desde que se deja de pagar es posible que este entre 12 -14 meses finalizada. Por este motivo es necesario actuar de forma rapida ante el inicio de cualquier comunicacion por parte de la entidad financiera o juzgado.
El termino pre-ejecucion hipotecaria generalmente se aplica al periodo de pasar por el proceso legal de avisos de incumplimiento y mediaciones antes de que la casa se venda realmente en una subasta de ejecucion hipotecaria.
En este caso, la mejor solucion para evitar la ejecucion hipotecaria es devolverle al banco el dinero que le debemos y este pago debe producirse antes de que se celebre la subasta. De esta forma, conseguiriamos cancelar la ejecucion hipotecaria siempre y cuando la vivienda financiada fuera nuestra residencia habitual.
Una propiedad en Pre-Foreclosure o antes de la ejecucion hipotecaria es una propiedad en dificultades que el prestamista aun no ha recuperado y vendido en una subasta.
Si no cumple con los pagos de su hipoteca, usted podria correr el riesgo de perder su casa. Este proceso se llama ejecucion hipotecaria o foreclosure. Mediante esta medida, el banco o agencia de credito puede desalojarlo de su vivienda y venderla.