Design? It's Easy If You Do It Smart: January 2020

Friday, January 31, 2020

Castro Valley CA Newest Real Estate Listings

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Full Property Details for 3875 Castro Valley Blvd #47
More real estate resources for Castro Valley
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( Homes sold in Castro Valley, CA this month (December).
Average Sold Price Per Square Foot in Castro Valley, CA this month (December).

Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. Set amid the tranquil hills of San Ramon near Bishop Ranch, these single-family homes bring convenience to work, award-winning schools, and local high-end retail all within reach. Located in the Regency at Tracy Lakes 55+ active-adult community in Tracy, CA, the Calero Collection highlights three charming single-level new home designs with up to 2,520 square feet. Now selling our final phase of homes at Chancery Lane at Metro Crossing. This community features private two-car garages, private patios, and spacious home designs.

Information provided is for personal, non-commercial use by a viewer with a bona fide interest in the purchase or sale of real estate of the type being offered via this website or other electronic means. The viewer is prohibited from copying, redistributing or retransmitting any of the data or information provided by MLSListing, Inc. Three- to four- story single-family homes within minutes from Bayshore Caltrain and Daly City BART. Each home features roof terraces and outdoor patios with San Francisco bay views in select homes. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing.

Full Property Details for 3875 Castro Valley Blvd #47

Save this search to get email alerts when listings hit the market. There is currently 1 home for sale matching new home in Castro Valley at a median listing price of $1.1M. If you're looking to sell your home in the Castro Valley area, our listing agents can help you get the best price. Most homes for sale in Castro Valley stay on the market for 48 days and receive 6 offers. Over 32 homebuilders have together in the Castro Valley, CA to produce some 404 new construction floor plans. Whether your budget is geared towards $519,442 or $42,000,000, it’s all available in Castro Valley.

$518 average sold price per foot for detached homes 3500 to 4000 sq. $0 average sold price per foot for detached homes 3000 to 3500 sq. $0 average sold price per foot for detached homes 2500 to 3000 sq.

More real estate resources for Castro Valley

Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data.

$0 average sold price for attached homes 4500 to 5000 sq. $0 average sold price for attached homes 4000 to 4500 sq. $0 average sold price for attached homes 3500 to 4000 sq. $0 average sold price for attached homes 3000 to 3500 sq. $0 average sold price for attached homes 2500 to 3000 sq.

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Homes for sale in Castro Valley, CA have a median listing home price of $1,050,000. There are 99 active homes for sale in Castro Valley, CA, which spend an average of 48 days on the market. Some of the hottest neighborhoods near Castro Valley, CA are Hayward Highland, Niles, Twin Creeks, Mission-Foothill, Sequoyah. Our top-rated real estate agents in Castro Valley are local experts and are ready to answer your questions about properties, neighborhoods, schools, and the newest listings for sale in Castro Valley. Redfin has a local office at One Montgomery Street, Suite 800, San Francisco, CA 94104. New construction homes for sale in Castro Valley, CA have a median listing home price of $1,050,000.

$711 average sold price per foot for detached homes 2000 to 2500 sq. $0 average sold price per foot for detached homes 1500 to 2000 sq. $0 average sold price for attached homes 5000 to 5500 sq.

In the past month, 28 homes have been sold in Castro Valley. This map is refreshed with the newest listings in Castro Valley every 15 minutes. To see all the homes you’ve saved, visit the My Favorites section of your account.

Everything you need to know about local demographics, nearby schools, public transport, market trends, and more. Looks like you're new here. Create an account to save and share your favorite homes and searches. Situated within the picturesque rolling hills of Morgan Hill, Borello Ranch Estates is an exclusive, gated community offering single-story and two-story estate-sized homes.

Subdivision and entitlement completed to build 6 town home style condos at the heart of San Leandro. Walk to shops and super market. Close to BART and highway 880.Owner has demolished the existing small house on site.

$0 average sold price per foot for attached homes 4000 to 4500 sq. $0 average sold price per foot for attached homes 3500 to 4000 sq. $0 average sold price per foot for attached homes 3000 to 3500 sq. $0 average sold price per foot for attached homes 2500 to 3000 sq. $0 average sold price per foot for attached homes 2000 to 2500 sq.

Average Sold Price Per Square Foot in Castro Valley, CA this month (December).

Kensington Station features townhomes with access to a clubhouse and retail. This new community will be walking distance to Warm Springs BART Station and Lila Bringhurst Elementary School. Some of these homes are "Hot Homes," meaning they're likely to sell quickly. Builder and developer special!

With dozens of exclusive home designs and styles to choose from in the region's top school districts and areas for commuters, our new homes are thoughtfully constructed with your needs in mind. We encourage you to explore the communities listed above and to contact us if you are interested in a home or have any questions. Parkside at Tarob Court offers brand-new, luxury townhomes with impressive finishes conveniently located near major employers, parks and recreation, the Milpitas BART Station and the VTA Light Rail.

New Home Castro Valley, CA Homes for Sale

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Castro Valley CA Newest Real Estate Listings
Castro Valley, CA New Construction Homes for Sale
Quickly Find Out More
Average Sold Price Per Square Foot in Castro Valley, CA this month (December).
Redfin Real Estate AgentsServing New Home in Castro Valley
Stay Updated

Castro Valley CA Newest Real Estate Listings

You can search for new homes and communities by city, state, major metropolitan areas or zip code. Coldwell Banker Realty and Guaranteed Rate Affinity, LLC share common ownership and because of this relationship the brokerage may receive a financial or other benefit. You are not required to use Guaranteed Rate Affinity, LLC as a condition of purchase or sale of any real estate. Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC. Yes, I would like more information from Coldwell Banker. Please use and/or share my information with a Coldwell Banker agent to contact me about my real estate needs.

By having direct access to Castro Valley home builders' web sites, you have the most accurate, up to date new home information. Please contact the builder's sales representative directly with any questions about purchasing your new home. Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Castro Valley, CA New Construction Homes for Sale

$0 average sold price per foot for attached homes 1500 to 2000 sq. The Echo Collection offers single-story new homes up to 2,775 square feet in Regency at Tracy Lakes, an active adult 55+ community by Toll Brothers with resort-style amenities in Tracy, CA. Buying a new home in Castro Valley, CA has many benefits, which makes them very attractive to first time home buyers. First of all, they need absolutely nothing doing to them, which removes a lot of hassle and hard work. You may even be able to customize the property by selecting the type of flooring, for example, or sometimes influencing the design itself. And they are generally more energy efficient in term of both running costs and appliances.

Quickly Find Out More

A serene and tranquil Tiny Home Community. This Brand NEW Tiny home features an open floor studio concept and stunning large windows that allow natural light to flow into the home. The kitchen boasts a sleek modern design with updated stainless steel appliances, gorgeous granite countertops and beautiful cabinets!

Average Sold Price Per Square Foot in Castro Valley, CA this month (December).

All your storage needs are met in the walk in closet and spacious loft! This is perfect for those seeking affordable housing without compromising Quality of living! Sales tax does apply, space rent $995. $0 average sold price per foot for detached homes 5000 to 5500 sq. $0 average sold price per foot for detached homes 4500 to 5000 sq. $0 average sold price per foot for detached homes 4000 to 4500 sq.

$0 average sold price for attached homes 2000 to 2500 sq. $0 average sold price for attached homes 1500 to 2000 sq. © 2022 San Francisco Association of Realtors. All rights reserved. Listing Broker has attempted to offer accurate data, but buyers are advised to confirm all data provided.

Tucked within the hidden heart of Pleasanton, Diamond Canyon features 43 prestigious estates with generous backyards minutes from downtown, great schools and the 680 interstate. Set amid the tranquil hills of San Ramon near Bishop Ranch, these modern townhomes bring convenience to work, award-winning schools, and local high-end retail all within reach. Our Castro Valley real estate stats and trends will give you more information about home buying and selling trends in Castro Valley.

How to buy a home in Castro Valley, CA

Plus, they often include new fire safety features, giving you extra peace of mind. And, importantly, They're going to need less maintenance and fewer repairs due to everything being brand new – with some being covered by a warranty for a short period of time. If the feeling of stepping into a brand-new home in Castro Valley, CA appeals to you, take a look at our listings. Welcome to BayShore Commons!

Thursday, January 30, 2020

Recreate Café-Worthy Brekkie At Home With This Microwave Egg Poacher

Table of Content

There is no wizardry—only practice—to perfect poached eggs
With this guide on how to make poached eggs, a picture perfect, runny yolk is never too far out of reach.
Ham & Cheddar Breakfast Casserole
Italian Sausage Egg Bake

These are our fave coconut milk recipes. You may like the slight tan of a meat broth better than the purplish tint bequeathed by red wine. Use a fork to prick the yolk before microwaving. This will allow those heated water pockets to escape with steam and not get trapped. Paul O. Mims is one of New York City's dynamic food educators, writers, and food advocates.

Transfer to a warm plate and adjust seasonings; serve immediately. The egg industry suggests you poach eggs in simmering water for up to 5 minutes for complete safety, but that’s way too long for us. We prefer, personally, to take a tiny risk to get perfect results. If you aren't looking to make a poached egg, here are some other methods to try whether you want your eggs scrambled, over easy, over medium, or over hard.

There is no wizardry—only practice—to perfect poached eggs

If you’re only poaching one egg at a time, you can also crack them as you go. It’s easy to do them all at once so you don’t have to keep washing your hands and dealing with eggshells over and over again. Despite the highly delicate finished product, egg poaching is actually an excellent option for make-ahead meals. Simply transfer the finished eggs to ice-cold water instead of the barely warm water, and they’ll be good for up to 2 hours.

Then gently ease the raw egg into your pot of simmering hot water. Poaching eggs couldn't be easier. It's also a great low-calorie way to prepare eggs—you don't need to use added fat to cook them, as you would with scrambled or fried eggs. Transfer the egg to a paper towel to remove excess water using a slotted spoon. Fill a large pot with at least 3 inches of water and bring to a boil over high heat.

With this guide on how to make poached eggs, a picture perfect, runny yolk is never too far out of reach.

Eggs Benedict– This recipe is a very common breakfast and brunch dish in America. It is said to be invented in a New York restaurant named Delmonico’s in the 1860s. Using a slotted spoon, remove the egg to a plate.

I notice that kampung chicken eggs also have firmer yolks compared to supermarket ones. While chicken eggs are what I cook with most often, I have created recipes solely around a variety of eggs just to show them off. With the help of a spoon or spatula, stir the water in the pan and make the water spin around smoothly in one direction. Omelette du Fromage– If you want to make a cheese omelette then, you should try making Omelette du Fromage. “Omelette du Fromage” is just the French phrase for the cheese omelette.

Ham & Cheddar Breakfast Casserole

If you're hosting a brunch party or feeding a crowd, you may want to poach more than one egg at time—and you can! Just be careful not to crowd the pot too much. You can make these poached eggs ahead of time, then simply plunge the poached eggs back into the hot water to warm them up. Crack egg into a small-mesh sieve, allow it to drain, and then transfer the egg to a small bowl or ramekin in order to avoid a runny egg white. This step will give you a better-shaped poached egg with tighter whites. Wondering how to make perfect poached eggs?

All you need is a broad saucepan and a slotted spoon. Now whenever your guests stay the night, you can treat them to a “gourmet” breakfast in the mornings, featuring the humble microwave egg poacher. And when they ask what’s your secret, you can gift them one of these egg poachers for Christmas or their next birthday. Poached eggs work better with fresh eggs.

Simple Tip!

Bring water to a boil, then lower heat to gentle simmer. My son Omar Daumit, is a professional chef. I don’t know why it took me so long to ask him to teach me how to ‘professionally’ poach an egg. Now, add the egg into this whirlpool. This whirlpool method will help prevent the egg from feathering and make sure that it does not spread out in the whole pan.

Nice and easy, gently slip the egg into the water. Give it a few seconds to gather itself; the swirling water will help roll the egg, collecting the stray egg whites to itself. With this guide on how to make poached eggs, a picture perfect, runny yolk is never too far out of reach. Poaching eggs is a technique that can trip up even confident cooks. There are several common hurdles and plenty of opinions about the best way to overcome them.

Step 2: Get Your Eggs Ready

Learn how to make the perfect poached egg with our easy video guide. Discover how long to cook it for and new ways to serve it at breakfast, brunch or lunch. If you’ve ever tried to make a poached egg before, you know the struggle. And on top of all that, you have to make sure the egg doesn’t break as soon as you set it in! Of all the ways to cook an egg, poaching tends to be one of the most frustrating.

As I mentioned before, poaching an egg can be a difficult task. Some of us can’t seem to get it right—and I’m one of them! It’s hard to keep trying when all you do is end up wasting all the eggs in your fridge. That’s why Eileen thought there had to be an easier way—and she was right! This trick is a lifesaver for all of us air fryer owners out there.

Fried egg recipe: How to make a 'beautifully fried crispy egg with a runny yolk'

Table of Content

TikTok Taught Me: How To Prevent Eggs From Exploding in the Microwave
How To Make a Perfect Poached Egg
An even easier method for poached eggs
How to Poach Eggs Perfectly

Transfer the eggs to an airtight container and refrigerate until needed. Fresh eggs are the best for success, but we all know that's not always possible .

TikTok Taught Me: How To Prevent Eggs From Exploding in the Microwave

When the grits and sauce are ready, poach the eggs. Fill a broad saucepan with about 2 inches of water, pour in the vinegar, and bring to a boil. Break as many eggs as will fit in your pan easily into cups or ramekins.

Ooh, look at all that oozy yolk. For more breakfast ideas, try this easy breakfast casserole. But this time, because I got my eggs direct from the source, they were literally just a few days old at most.

How To Make a Perfect Poached Egg

Fish out the egg with the slotted spoon and place it into a bowl of barely warm water. This will stop the cooking without actually chilling the egg, keeping it closer to serving temperature. When it’s time to plate, transfer the egg to a tea towel or paper towel to drain the excess moisture, then transfer the egg to your dish. While I did study hospitality in high school, my attempts at creating some poached eggs for my eggs benedict have always failed. I simply don’t have the patience, nor the steady hand, it takes to carefully break a raw egg into a saucepan and not watch it dissolve into a streamy, eggy disaster. Lift the egg out with a slotted spoon and drain it on kitchen paper.

The total cook time for a large egg is 3 to 3½ minutes. Turn off the heat and cover the pan. At this point the egg whites should be completely cooked, while the egg yolks are still runny. Frankly, we find that method more troublesome than helpful. For this method, you’ll use the strainer to help shape the egg instead.

An even easier method for poached eggs

When water is at the right temperature, stir in about 1 tablespoon white vinegar which helps the egg white coagulate. Using a spoon, swirl the water in the center of the pot into a vortex or whirlpool, and carefully add egg to the center. Cook until egg white is set, but the yolk is still soft and runny, 2 1/2 to 3 minutes. With the egg still in the strainer, carefully lower it into the simmering water. Use a slotted spoon with your other hand to gently maneuver the whites so they form evenly around the yolk.

But we’re not about just giving you a recipe and saying good luck…you’ll also learn cooking techniques to impress your friends and family. Treat yourself to Gordon Ramsay's eggs Benedict at the weekend and show off your new skill. This kedgeree recipe uses a pack of fish pie seafood mix, but you could use the same weight of smoked fish.

But once you nail it, it’s a skill you’ll use over and over again. Note that the timing depends on the size of the eggs, the number of eggs in the pot, and if you are cooking at altitude, so adjust accordingly. If you are at altitude, want firmer egg yolks, or are poaching more than 4 eggs at once, you may need to cook them longer.

Make sure not to mix, poke, or stir the water or eggs during the period of resting. The "poacher" is actually coddling the eggs, not truly poaching them, but if what you want is an egg with a cooked white and runny yolk, this is an easy way to do it. Place the raw egg into a fine mesh sieve over a bowl. The very thin egg whites will drain out through the sieve. Working with the eggs one at a time, crack the egg into a small bowl or cup.

If you try 4 minutes and the eggs are too cooked, reduce the time. Immediately transfer the poached eggs to a bowl of very cold water. Top off with more cold water if needed until the eggs are cool. This is the traditional way to make poached eggs on the stovetop.

For a quicker method, check out how to poach an egg in the microwave. Crack 1 egg into each of 4 ramekins. In a large straight-sided skillet over medium-high heat, bring 2 to 3 inches slightly salted water and 1 teaspoon white vinegar to a simmer.

What other tools can I use to make poached eggs?

I use about one tablespoon kosher salt for a 2-quart pan. Make sure your eggs are really fresh. Fresh eggs have a thicker white near the yolk that will better hold a round shape as it cooks. If your egg isn’t so fresh, crack it into a small bowl and drain off the runnier white.

If you want to try this method, put the mesh sieve over a plate or bowl, and crack your egg into it. Gently swirl the sieve to loosen those wispy whites, pour the egg into the simmering water, and follow our directions as follows after that. We have two simple methods for poached eggs.

Wednesday, January 29, 2020

Mortgage Relief Programs for Financial Hardship

Table of Content

Assistance for State, Local, and Tribal Governments
Are there government mortgage relief programs?
down payment mortgage
If you are facing money struggles, you are not alone
Other Mortgage Payment Relief Opportunities
FHA Loans
Bank of America’s Community Homeownership Commitment®

In recent decades, the federal government has expanded protections for borrowers and developed more programs to assist struggling homeowners. With the impact of the coronavirus pandemic, both federal and state governments have added more protections very recently. FHA borrowers who can’t afford their current monthly mortgage payments may be eligible for the Covid-19 Recovery Modification option.

The majority of loans in forbearance (83.2%) are in an extension phase, which means once the extension expires, they must choose what to do with their home loans. Their options include resuming regular monthly mortgage payments with a forbearance repayment plan in place, selling their home and paying off their mortgage or applying for a loan modification. During a forbearance, interest will still accrue on your loan, although you won't be subject to any late fees or penalties. Also, a forbearance is not reported to the credit bureaus, so it will not negatively affect your credit score.

Assistance for State, Local, and Tribal Governments

Ultimately, refinancing may make the most sense if your credit hasn’t taken a hit and you’re still current on your mortgage. Call or write your mortgage servicer and ask it to provide information about the owner of your mortgage. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

The total maximum repayment term for an eligible VA loan is 480 months under the new plan. To find out, contact your loan servicer, ask what programs it has in place to provide mortgage relief to homeowners impacted by the coronavirus outbreak, and follow any instructions you are given. Similar but shorter forbearance was available to owners of multifamily units with federally backed mortgages.

Are there government mortgage relief programs?

Homeowners with federally backed loans have the right to ask for and receive a forbearance period for up to 180 days—which means you can pause or reduce your mortgage payments for up to six months. Additionally, you can request an extension of forbearance for up to 180 additional days, for a total of 360 days. The majority of homeowners are eligible for forbearance for a coronavirus-related financial hardship. Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited time while you regain your financial footing.

Refinancing can adjust the terms of your mortgage and lower the monthly payments, reduce your interest rate or switch you from an adjustable-rate to a fixed-rate mortgage. In many cases, you won’t need an appraisal or credit check for these loans, according to the official websites of all three loan guarantors. Conventional mortgage borrowers who have loans that are not Fannie/Freddie GSE mortgages should contact their loan servicer to ask what relief options are available to them.

down payment mortgage

To help with this, the Treasury has created a webpage to help tenants and landlords find rental assistance programs in their local area. Use it to direct yourself to the appropriate state or other authority to determine how to apply to receive assistance or to help your tenants do so. If you are offered forbearance under the CARES Act or by a private lender, carefully review the terms before signing. It’s best to have the missing payments added to the end of your mortgage term.

Under the CARES Act, borrowers automatically qualify for a forbearance and are not required to demonstrate hardship when applying for this relief. Mortgage relief programs are available to assist those who are struggling to make payments on their home loans. These programs are usually developed in response to significant downturns in the economy.

What if you have a non-government-backed mortgage?

Even though the Covid pandemic is waning, many homeowners can still take advantage of Covid-era relief programs. If you have a conforming mortgage or a government-backed mortgage, it’s not too late to request an initial loan forbearance and pause your payments if you’re going through a temporary financial hardship. Biden has proposed several stimulus programs to help with homeownership costs.

The funds are provided directly to states, U.S. territories, local governments, American Indian tribes, Tribally Designated Housing Entities, and the Department of Hawaiian Home Lands. These entities may use ERA funds to provide assistance through existing or newly created rental assistance programs. If you are a homeowner with a government-backed mortgage and experience COVID-19-related financial hardship, you can pause mortgage payments for up to 18 months in a process known as forbearance. For homeowners struggling with their mortgage payments, it’s a wise time to refinance.

If you are facing money struggles, you are not alone

Treasury published resources to support Tribal Governments submitting HAF Plans including a recording and slides. View information about how to connect with homeowner assistance near you. The option best for you depends on your situation and is ultimately your decision. After gathering information on your options please do your research. Stop getting the run around and let the Home Relief Program connect you with the help you need. With the impact of Covid waning, Congress has wound down much of its Covid-era mortgage stimulus.

This new loan modification option extends the term of your mortgage loan to 360 months , and reduces the principal and interest portion of the monthly loan payment by up to 25%. Funds from the HAF may be used for assistance with mortgage payments, homeowner’s insurance, utility payments, and other specified purposes. The law prioritizes funds for homeowners who have experienced the greatest hardships, leveraging local and national income indicators to maximize the impact. However, Fannie Mae and Freddie Mac (the ‘GSEs’) both have options to help homeowners who are struggling with their mortgage payments. To find out whether you qualify for mortgage assistance, reach out to your mortgage loan servicer.

These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in oureditorial policy.

The Freddie Mac Enhanced Relief Refinance is currently on pause due to a low volume of applicants. FMERR was meant to help homeowners refinance with very little home equity. But, due to rising home values, many U.S. homeowners have enough equity to refinance without needing a special, high-LTV program. As a result, homeowners nationwide saw their equity levels increase.

And, if you qualify to refinance, you’ll need some money to cover closing costs. With a HELOC, you’ll be taking out a loan using your home equity as collateral. This type of loan can be used to pay for unexpected expenses or to catch up on missed mortgage payments.

Coronavirus Assistance Information Federal Housing Finance Agency

Table of Content

Financial Markets, Financial Institutions, and Fiscal Service
Refinance after forbearance
Mortgage relief and Congress mortgage stimulus in 2022
Financing the Government
Don’t Waste Your Time Searching for Outdated Programs
Other Programs
U.S. Department of the Treasury

The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges.

Any cellular/mobile telephone number you provide may incur charges from your mobile service provider. If your loan is backed by Fannie Mae or Freddie Mac, there is not currently a deadline for requesting an initial COVID hardship forbearance. Insurance related services offered through Credit Karma Insurance Services, LLC, which does business in some states as Karma Insurance Services, LLC.

Financial Markets, Financial Institutions, and Fiscal Service

In total, the Treasury Department is responsible for managing over $1 trillion in American Rescue Plan programs and tax credits. Read about the impact of the first six months of the American Rescue Plan programs in the impact report. State Social Service Agencies Visit your state social services agency for information about state benefit programs and more.

Refinance after forbearance

If you’re unsure of all your options and rights, speak with a housing counselor who is approved by the U.S. VA borrowers that have been financially hobbled by Covid have more options to make their loans affordable under the VA’s new Covid-19 Refund Modification. “Based on recent analyses, the Administration believes that the additional payment reduction offered to struggling borrowers will result in fewer foreclosures,” the White House press release states. If you see an ad for a "new 2021 mortgage stimulus payment" or something of that ilk, it is either a cleverly designed mortgage refinancing advertisement or outright spam. You can apply for initial mortgage relief if your loan is backed by the U.S. Department of Housing and Urban Development , the Federal Housing Administration , the U.S.

Mortgage relief and Congress mortgage stimulus in 2022

As a homeowner with a federally backed mortgage loan, you will need to contact your loan servicer to request forbearance. You do not need to submit extensive documentation, mainly only affirmation of your financial hardship, which you can do over the phone. Depending on when your initial forbearance began, you can extend forbearance an additional 180 or even 360 days.

So borrowers will get a 0% interest subordinate lien that does not require them to repay the forbearance amount until they sell or refinance their home. The Homeowner Assistance Fund is still helping homeowners in 2022 who need mortgage relief. Under the American Rescue Plan, the HAF was funded with at least $50 million for each state to assist homeowners in danger of foreclosure or housing instability. Forbearance is still available to homeowners who need temporary mortgage relief due to a job disruption or other financial hardship. And loan modification may be available to those with longer-term relief needs. So if you’re looking for a mortgage relief refinance, it’s still worth talking to a lender.

Our Down Payment Grant program offers a grant of up to 3% of the home purchase price, up to $10,000, to be used for a down payment in select markets. If you have a home loan backed by HUD/FHA, USDA, or VA your mortgage servicer is authorized to approve initial COVID hardship forbearance requests until the COVID-19 National Emergency is officially over. If a company tells you to stop making payments, it’s required to also inform you of the possible negative consequences, including foreclosure and damage to your credit. Whether you think forgiveness will go through or not, there are some steps you can take to improve your situation and prepare for what happens next.

Before you start looking into your mortgage relief options, determine who holds your mortgage, who your current loan servicer is and whether or not you are delinquent on your loan. Some are generally available to everyone — while others (such as COVID-19 forbearance) are for people experiencing hardships caused by specific circumstances. Your mortgage may be the biggest bill you pay every month, and unexpected circumstances like a job loss, health crisis or other expenses can make it difficult to keep up with mortgage payments. Let’s look at the different types of relief, how they work and who’s generally eligible for each program. If you are struggling to pay your mortgage, you have options available to you.

Financing the Government

The telephone number and mailing address of your mortgage servicer should be listed on your monthly mortgage statement. If you can't afford to pay your home heating or cooling bill, you may be able to get help from the government or your local social services agency or nonprofit. Loan amount and repayment terms are limited based on the type of property. The Treasury Department, the Office of Fiscal Service, and the Internal Revenue Service provided three rounds of fast and direct relief payments during the various phases of the COVID-19 crisis.

If you think that you’ve been discriminated against based on race, religion, sex, marital status, use of public assistance, national origin, disability, or age, there are steps you can take. One such step is to file a report with the Consumer Financial Protection Bureau or with HUD. Agree not to charge them late fees or penalties for nonpayment of rent. Inform your tenants in writing about protections available to them during forbearance. Check theMortgage Electronic Registration Systems website to find your servicer, if you don’t know who it is. Do not abandon your property, and make sure you respond to inquiries from your lender.

The Office of Recovery Programs is providing self-resources to assist recipients of awards from its programs with questions about reporting, technical issues, eligible uses of funds, or other items. During any forbearance period granted to you, your servicer cannot charge any penalties, interest, or fees that would not have been charged if you had made your payments on time and in full. Landlords of multifamily units must have been current on payments as of Feb. 1, 2020, to be approved for forbearance relief. If applicable, landlords should submit an oral or written request to their servicer, who can approve the initial 30-day forbearance, with subsequent extensions of up to an additional 60 days.

As a borrower, the CARES Act gives you the right to halt forbearance at any time. This applies to you if you have a government-backed loan on a regular residential property or a multifamily building. If your mortgage forbearance is set to expire soon, then you may be able to request an extension—but you must apply before forbearance ends. Use loan lookup tools provided byFannie MaeorFreddie Macto find out if either of those two government-backed providers owns your mortgage.

Other Programs

Reach out to the federal, state, or county government agency that administers the program. But the government programs help these lenders make loans that they might normally not fulfill. Grants are available depending on your income level and work to be done. Home improvement loan programs help with home repairs and modifications. They are the most common type of government financial assistance for home improvements. Some programs are available nationwide, while others are only available at the state or county level.

Entities required to provide reporting by August 15 will receive an email from Treasury shortly with additional information on quarterly reporting. And similar programs, including Fannie Mae’s HIRO and Freddie Mac’s Enhanced Relief Refinance, were also discontinued. As a result, many homeowners are eligible to refinance but just don’t know it yet. We ask for your ZIP code because we need to know your time zone so we can call you during the appropriate business hours. We’ll forward your complaint to the company and work to get you a response — generally within 15 days.