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Mortgage Forbearance Tips! 5 Tips to take after Getting a Mortgage Forbearance

Got Your Mortgage Forbearance? 5 Tips to take after Getting a Mortgage Forbearance http://www.HarrisonREI.com & http://www.SirAshley.com Transcription: Very nice. You've received forbearance from your bank, and I'm sure it's a huge relief, but you may be asking what's next. Hey, everybody, I'm Sir Ashley, your Charlotte area Real Estate Advisor. And right now I want to talk with you a little bit about what happens after forbearance has been granted. The first thing you want to do is to make sure you have any written documentation on hand. You want to have that documentation available in case there are any errors on your monthly statement to ensure that your monthly statement reflects the assistance provided. Also continue monitoring your monthly statements to ensure there are no errors in the coming months. 2. Make sure you contact your bank to make sure you stop any automatic payments that are scheduled. 3. Next you want to frequently monitor your credit report to make sure there's no errors or inaccuracies and to make sure you’re not being penalized for this forbearance. And you can monitor your credit for free through April of 2021. Servicers may report that your account is in forbearance. But, if your account is current and up until the date you asked for forbearance and you’re receiving relief under the cares act as an accommodation under the act, your servicer or creditor is required to report the account as current. Now, if you stop making mortgage payments without the forbearance in place, these servicers will report this to the credit bureaus and it could have a long lasting effect on your credit history. 4. Now, once you're working again and your income is more regular, you can contact your servicer to have them resume your payments. Now that takes us to the 5th thing you can do after you received a forbearance.. let’s say that you’re still in financial hardship towards the end of your initial forbearance, you can request a forbearance extension under the cares act... if you have a federally or GSE-backed mortgage, you also can request and obtain an extension of the forbearance for up to an additional 180 days. Now if you stuck around I have 2 bonus things you need to consider after you’ve gotten a forbearance Bonus tip #1 is that you need to be aware of the Property taxes, insurance and HOA. If your mortgage has an escrow account,Your property tax and insurance should be continued to be paid for by the servicer. But if your mortgage does not have an escrow account, you will be responsible for those payments. Keep in mind you are responsible for paying any HOA payments during the period of forbearance. Bonus tip #2 ..while you’re still in forbearance, contact your servicer and make arrangements to start paying back those missed payments. I hope you found this helpful. If you like my videos, you know what to do. Go ahead and click that little red subscribe button, and the bell, so you can be notified when our next video comes out. Thanks for watching. Once again. I'm your Charlotte area Real Estate advisor Sir Ashley, talk soon. http://www.SirAshley.com [email protected] Call/Text 704-775-1236 Schedule a 15 minute consultation at https://calendly.com/sir-ashley Come work with me as share real estate stories and experiences as well as giving valuable tips for your real estate journey. If you, or someone you know, is interested in selling or buying a home in the Charlotte area lets connect: Schedule Your Buyer or Seller Consultation: https://calendly.com/sir-ashley Need to talk to me at a time that works for you?: https://calendly.com/sir-ashley SUBSCRIBE to my YouTube Channel:    / @advisorsirashley   Evaluation of Your Current Home: www.SirAshley.com Follow Me On Instagram: @Sir_RealEstate Friend Me On Facebook:   / sirashleycharlotterealtor   Contact us about selling your home with an advantage using our custom home virtual walkthrough! If you ever wanted to know how to sell your home like an HGTV Dream Home then we can help! Talk to a Real estate investor, Rehabber, Realtor and former RE Attorney Homes for sale in Charlotte, Mooresville, Huntersville, Steele Creek, Lake Norman, Ballantyne, Cornelius, Davidson, Troutman, Denver and Concord, North Carolina. Sir Ashley Harrison has helped buyers and sellers in Charlotte, Huntersville, Mooresville, Cornelius, Davidson, Concord, Lake Norman, Mountain Island Lake, Ballantyne, Lake Wylie, Denver, Stanly, Troutman, Gastonia, Cramerton, Kings Mountain, Statesville, and Salisbury, NC. You can also see video home tours and current listings of Charlotte area homes in neighborhoods such as Westbranch, Lantana, The Palisades, McAdenville Village, Maison, Raintree. We help people who want to relocate to Charlotte NC too http://www.FairHouseOffer.net Instagram: Sir_RealEstate #mortgageforbearance #forbearancetips #mortgagehelp