Louisiana Home Foreclosure Prevention Package

Q: What is the redemption period for a foreclosure in Louisiana?

Louisiana doesn&#039;t allow any period of redemption for borrowers. While the entire foreclosure usually takes 60 to 180 days, the borrower has to move quickly to stop the foreclosure. Once the writ of seizure and sale is ordered, the borrower can&#039;t remedy the mortgage to remain in the home.

Q: How far behind do you have to be for foreclosure in Louisiana?

Under federal law, the servicer usually can&#039;t officially begin a foreclosure until you&#039;re more than 120 days past due on payments, subject to a few exceptions. (12 C.F.R. 1024.41). This 120-day period provides most homeowners ample opportunity to submit a loss mitigation application to the servicer.

Q: What is the period of redemption for a foreclosure in Louisiana?

Louisiana doesn&#039;t allow any period of redemption for borrowers. While the entire foreclosure usually takes 60 to 180 days, the borrower has to move quickly to stop the foreclosure. Once the writ of seizure and sale is ordered, the borrower can&#039;t remedy the mortgage to remain in the home.

Category:

Real Estate - Foreclosures

State:

Multi-State

Control #:

US-P111-PKG

Format:

Instant download

Description

This package provides many different tools for a homeowner to prevent foreclosure of a home. The forms cover various means to obtain assistance at all stages of the foreclosure process. Purchase of this package is a savings of 63% over purchase of the forms individually! Included in this package are the following forms:

1. Letter to Lender for Produce the Note Request

2. Offer by Borrower of Deed in Lieu of Foreclosure

3. Motion to Dismiss Foreclosure Action and Notice of Motion

4. Petition or Complaint to Enjoin Nonjudicial Foreclosure Sale and for Declaratory Relief

5. Petition to Enjoin Foreclosure Sale and Seeking Ascertainment of Amount Owed on Note and Deed of Trust

6. Qualified Written RESPA Request to Dispute or Validate Debt

7. Request to Lender or Loan Servicer for Loan Modification Due to Financial Hardship - Requesting Change to Fixed Rate of Interest of Adjustable Rate

8. Hardship Letter to Mortgagor or Lender to Prevent Foreclosure

9. Sample Letter for Short Sale Request to Lender

10. MHA Request for Short Sale

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FAQ

Executory proceedings are those which are used to effect the seizure and sale of property, without previous citation and judgment, to enforce a mortgage or privilege thereon evidenced by an authentic act importing a confession of judgment, and in other cases allowed by law.

Louisiana doesn't allow any period of redemption for borrowers. While the entire foreclosure usually takes 60 to 180 days, the borrower has to move quickly to stop the foreclosure. Once the writ of seizure and sale is ordered, the borrower can't remedy the mortgage to remain in the home.

Under federal law, the servicer usually can't officially begin a foreclosure until you're more than 120 days past due on payments, subject to a few exceptions. (12 C.F.R. § 1024.41). This 120-day period provides most homeowners ample opportunity to submit a loss mitigation application to the servicer.

Since Louisiana is a judicial foreclosure state, the time frame for foreclosing on a Louisiana property can vary depending on the court schedule, just as it can in other judicial foreclosure states. It usually takes a lender about 6-9 months to foreclose on a Louisiana property.

The Louisiana Homeowner Assistance Fund program is a free, federal financial relief program for homeowners financially impacted by COVID-19 who are behind on their mortgages and at risk of foreclosure.

Options include paying back the past-due amount over time, loan modification or refinance, or deed in lieu of foreclosure. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender, if you need this assistance.

Louisiana Home Foreclosure Prevention Package

Description

Related forms

Viewed forms

How to fill out Home Foreclosure Prevention Package?

Form popularity

FAQ

What is the executory process in Louisiana foreclosure?

What is the redemption period for a foreclosure in Louisiana?

How far behind do you have to be for foreclosure in Louisiana?

What is the period of redemption for a foreclosure in Louisiana?

How long does it take to foreclose on a house in Louisiana?

What is the Home Assistant Program in Louisiana?

How do I get out of foreclosure in Louisiana?

Trusted and secure by over 3 million people of the world’s leading companies

Louisiana Home Foreclosure Prevention Package

Description

Related forms

Viewed forms

How to fill out Home Foreclosure Prevention Package?

Form popularity

FAQ

What is the executory process in Louisiana foreclosure?

What is the redemption period for a foreclosure in Louisiana?

How far behind do you have to be for foreclosure in Louisiana?

What is the period of redemption for a foreclosure in Louisiana?

How long does it take to foreclose on a house in Louisiana?

What is the Home Assistant Program in Louisiana?

How do I get out of foreclosure in Louisiana?

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