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    Real Estate you should know

    Mortgage Relief; Do you know your options?

       If you're wondering what your options are during these unprecedented times, you're not alone.  We're breaking...

    • Susana Murphy
    • April 21st, 2020
    • 2 min read

      

    If you're wondering what your options are during these unprecedented times, you're not alone.  We're breaking down FIVE different mortgage relief options so you can make the best choice for you and your family...

     

     ForbearanceThis is the plan many people are talking about since the passage of the CARES Act. This is an agreement with your lender to reduce or delay regular payments for a set amount of time. When the forbearance period ends, the postponed payments will be due all at once.ModificationThis is a legal process that alters the terms of your loan. For instance, a modification could lower your monthly payments by lengthening your loan term.DefermentThis allows you to postpone your payments for a set amount of time and then pay them at the end of your regular loan term.  A deferment is more beneficial than forbearance for many people because it eliminates the need to make up multiple payments at the end of a short postponement period. Note that Deferments are not available from everyone.Payment Assistance ProgramThis is an arrangement that allows you to make up your postponed payments at the end of a forbearance period by spreading the cost over a period of time. Payment Assistance Programs are not available from everyone.Cash Out Refinance or Home Equity Line of Credit (HELOC)If you have enough income to qualify, accessing equity in your home by refinancing or obtaining a secured credit line may be a good option for lowering your payments in order to create a cash cushion. A refinance will be especially beneficial if current rates are lower than those on your existing financing.

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    About the author

    Susana Murphy

    508-345-5632
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    I'm Susana Murphy, and I founded ALANTE with a clear vision and a passion for redefining what real estate should be. Let me share with you why ALANTE exists, what we stand for, and what we aim to offer both our valued clients and our dedicated agents. ALANTE Real Estate wasn't just a business venture for me—it was a calling born out of a deep-seated belief in doing things differently, and doing them better. Having been in the real estate industry since 2005 myself as a top producing Realtor, I saw firsthand the immense potential for innovation and improvement. I recognized that traditional practices were falling short in meeting the evolving needs of clients and agents alike. My vision for ALANTE was simple yet profound: to elevate the real estate experience by combining cutting-edge technology combined with story driven marketing and timeless values. In an industry often defined by transactions, I wanted to focus on service. I wanted to create a space where clients felt heard, valued, and supported every step of the way, and where agents could thrive in an environment that prioritizes collaboration, growth, support and integrity. At ALANTE, we believe in offering our clients more than just transactions—we offer them transformative experiences. We understand that buying or selling a home is not just a financial decision; it's an emotional journey filled with dreams, aspirations, and life-changing moments. That's why we approach each interaction with empathy, expertise, and a genuine desire to exceed expectations. For our agents, ALANTE is more than just a brokerage—it's a community of like-minded professionals committed to excellence. We provide our agents with the tools, training, and support they need to succeed, all while fostering a culture of mutual respect, collaboration, and continuous learning. We believe that empowered agents create exceptional experiences for our clients, and that belief is at the core of everything we do. In an industry that's constantly evolving, we remain steadfast in our commitment to innovation and adaptability. We embrace technology not as a replacement for human connection, but as a catalyst for enhancing it. From advanced marketing strategies to streamlined processes, we leverage technology to enhance efficiency, transparency, and results. We don't just meet industry standards—we set new ones. We believe in raising the bar and redefining what it means to be a leader in real estate. Our dedication to excellence, integrity, and client satisfaction sets us apart, and it's what drives us to continually push boundaries and exceed expectations. So, whether you're a client looking for a personalized, unparalleled real estate experience or an agent seeking a supportive, forward-thinking brokerage, we invite you to join us on this extraordinary journey. Together, we're not just reimagining real estate—we're elevating it to new heights. Welcome to ALANTE Real Estate, where your vision meets our passion.

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