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Foreclosures >1. What Is a Foreclosure?
A foreclosure is a legal process through which a mortgagor loses his or her equitable right to redeem a mortgaged estate; in other words, the lender completely repossesses the home from the borrower (homeowner.) The lender goes through the legal motions to sell the property, terminate all the homeowner’s rights in that property, and remove the homeowner.
What are the effects?
The most stressful and pressing effect that foreclosure has is that the borrower loses his or her place to live.
Foreclosure negatively affects the borrower’s credit rating. It stays on a credit report for seven years and drops a credit score 250 points.
A borrower who’s been foreclosed on may have trouble finding and keeping jobs since good credit may be required by employers to be hired.
A foreclosed home can bring down the value of surrounding homes.
Lynn Garafola and Team Nest Builder RE/MAX Platinum Group 200 Woodport Road Sparta, NJ 07871 973-222-3777 Fax: 973-726-5757 LynnGarafola@NUMBER1EXPERT.com
Lynn Garafola, GRI, CRS, CLHMS, is a seasoned real estate veteran who has successfully closed more than $125 million in transactions and won numerous industry awards and accolades. Lynn has enjoyed helping over 400 families make moves in and out of Northern New Jersey over her 15 year career. Lynn is known for being a tireless advocate for her clients. When you are looking to buy, she takes the time to explore who you are and what you want, helping you discover what you need, what you like and what fits your budget. And then gets you into that home. When its time to sell, you can count on her guidance on preparing your home for sale and pricing it right. And then she takes over and markets it aggressively to get it sold for you. Not only is she very knowledgeable about the housing market in New Jersey, she is very personable and professional and stays in touch after the sale. You can count on Lynn to take care of ALL of your real estate needs. Call or email Lynn@MyNestBuilder.com today for an appointment with your real estate needs.
www.MyNestBuilder.com is brought to you by
Lynn Garafola and Team Nest Builder NUMBER1EXPERT™ in real estate for
Sparta, Lake Mohawk and Randolph, New Jersey
RE/MAX Platinum Group
200 Woodport Road
Sparta, NJ 07871
973-726-5700 x 311 (office)
973-222-3777 (cell)
- NUMBER1EXPERT™ 
