Worried About Foreclosure? Talk To Your Lender First.

By Doc Schmyz

When your home is on the verge of foreclosure, you certainly will do anything possible to save it. But the problem is how you will do it. The first thing, among many, is going to your lender and asking for help

For others, contacting the lender at the first sign of financial problems seems to be not such a good idea. It may be because they are embarrassed to discuss money issues to others or they simply don't see the need to inform their lender right away of their present financial standing, most of the time they are thinking it is a temporary problem.

Most people have the perception that lenders, like banks, think only of themselves and don't care about the future of the borrowers. This leads to the common notion that lenders show no mercy to homeowners who have defaulted on payments and will take the homes when the very first window of opportunity opens. The truth is lenders like owners will do everything they can to avoid home foreclosures. So again, the best way to save your home is to work with your lender to solve the problem.

Lenders will send a Notice of Default if you miss payments for 3 consecutive months. Call your lender as soon as possible. Inform them why you have defaulted on a payment and ask for an alternative payment schedule or temporary lower rates until your finances have returned to normal. You can also ask for Forbearance which is where your lender waives some of the penalty fees as a result of default or a mortgage refinance without going through the process of re-application, whichever you think is more economical. Mortgage lenders are more than willing to help you to avoid repossessing your home.

The rule of the thumb is: Talk to your lender, inform them the cause of your delay, and ask for payment alternatives. DO NOT WAIT!!! Act fast. Understand the gravity of the situation and do something about it. It is your obligation to pay your mortgage but when worst comes to worst, your lender wants to help you keep your home.

About the Author:

Doc Schmyz has invested all over the US. His free website shares Real estate investing information for all over the US. Find real estate information by state

Sash Window Repair Specialists Preserve A Piece Of History

By Zara Colwell

Sash window repair specialists are really a unique breed of window artists. Being able to repair the structure of a sash window is very much like restoring historical art. Sash windows are unique because of their stacked design, making the window appear to be made out of separate smaller pieces of glass.

These windows, which were common in period homes like Victorian and Georgian homes, are rooted deep in history. This is especially true in the southern parts of the country. These windows are signatures, often designed by the original home builders.

What historical significance? These are windows that are common in old homes, and were once the mainstay of home design, are dwindling in numbers. Their unique stacked pane appearance and the six over six panel design is no longer in production. This paned glass can be found in each one of the individual rectangles can often measure more than twice as thick as the glass we use in windows today.

Sash window repair specialists are akin to historical artists that can take a broken or struggling 100 year old window and coax it back to health and return it to working condition. For a fraction of the cost of replacing the window, you can maintain that charming characteristic of your home.

Pane replacement is not terribly time consuming, provided that the right type of glass is on hand. If you have several panes to be replaced, you will probably end up with glass panes that reflect various light levels, making the view through each pane a little different.

Whatever the repair ends up to be, the important thing is that you and the sash window repairs specialists were willing to preserve a historical window and keep your home's character intact. This is a significant part of preserving our history throughout the world. The simple things that represent a time in our history shouldn't be easily discarded.

About the Author:

Thanks for taking the time to read we hope you found it informative, if you would like to read more about sash window draught proofing or sash window repairs please visit www.sashwindowrepairs-london.co.uk