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  • As soon a borrower fails to make a loan or mortgage payment on time, the loan becomes delinquent. The foreclosure process begins when a borrower defaults, or misses a loan or mortgage payment. At this point, a homeowner in default will be notified by the lender. 
Three to six months after the homeowner misses a mortgage payment, assuming the mortgage is still delinquent, and the homeowner has not made up the missed payments within a specified grace period, the lender will begin to foreclose. 
The further behind the borrower falls, the more difficult it becomes to catch up on payments because lenders add fees for payments that are late, often after 10 to 15 days.

Source: Investopedia
  • As soon a borrower fails to make a loan or mortgage payment on time, the loan becomes delinquent. The foreclosure process begins when a borrower defaults, or misses a loan or mortgage payment. At this point, a homeowner in default will be notified by the lender.
    Three to six months after the homeowner misses a mortgage payment, assuming the mortgage is still delinquent, and the homeowner has not made up the missed payments within a specified grace period, the lender will begin to foreclose.
    The further behind the borrower falls, the more difficult it becomes to catch up on payments because lenders add fees for payments that are late, often after 10 to 15 days.

    Source: Investopedia
  • 187 1 58 minutes ago
  • Hey Wealth Builder!
🚨I just always knew I was going to be rich and I don't think I ever doubted it for a moment. 🚨 I believed in me not matter what and regardless of who was around me, who was with me I still kept pushing forward to my goal of wealth of changing the lives of others and I did that and I am doing that. 🚨 I am excited about what is to come and the continuous relationships that I am developing and even the growth I am developing within myself. 🚨Always remember there is always room for improvement and I am proud of myself! 
Habakkuk 2:2-3
  • Hey Wealth Builder!
    🚨I just always knew I was going to be rich and I don't think I ever doubted it for a moment. 🚨 I believed in me not matter what and regardless of who was around me, who was with me I still kept pushing forward to my goal of wealth of changing the lives of others and I did that and I am doing that. 🚨 I am excited about what is to come and the continuous relationships that I am developing and even the growth I am developing within myself. 🚨Always remember there is always room for improvement and I am proud of myself!
    Habakkuk 2:2-3
  • 546 2 2 hours ago
  • You have absolutely no idea how far you can go.  What’s important is that you start and you don’t stop when it comes to doing what you love.  Do you think Steve thought Apple would be building their 5 BILLION dollar campus while standing in front of that garage?  Keep going!  #stevejobs #infiniteloop
  • You have absolutely no idea how far you can go. What’s important is that you start and you don’t stop when it comes to doing what you love. Do you think Steve thought Apple would be building their 5 BILLION dollar campus while standing in front of that garage? Keep going! #stevejobs #infiniteloop
  • 1,290 15 19 February, 2019
  • Closing out the week in a winter wonderland ❄️ 📸: @nyclovesnyc
  • Closing out the week in a winter wonderland ❄️ 📸: @nyclovesnyc
  • 134 1 32 minutes ago
  • These are things that have REALLY helped in my journey!  I’d love to know what has helped in yours ❤️.
...................................................
I though this post was appropriate after investing stories!  I love the fight on this journey 🥊 🙌.
  • These are things that have REALLY helped in my journey! I’d love to know what has helped in yours ❤️.
    ...................................................
    I though this post was appropriate after investing stories! I love the fight on this journey 🥊 🙌.
  • 914 67 19 February, 2019

Latest Instagram Posts

  • This sweet boy turns 8 tomorrow so it's only fitting to share this cherished moment from Seabrook this past summer. ♥️🤟🏼♥️
  • This sweet boy turns 8 tomorrow so it's only fitting to share this cherished moment from Seabrook this past summer. ♥️🤟🏼♥️
  • 0 1 45 seconds ago
  • “Excellent company to use. The staff make a business out of making sure their clients are satisfied. They are thorough, attentive, and prompt. I recommend you give them a try.” – Dorothy D. #GershmanMortgage #NMLS138063 #MortgageLocal #mortgage
  • “Excellent company to use. The staff make a business out of making sure their clients are satisfied. They are thorough, attentive, and prompt. I recommend you give them a try.” – Dorothy D. #GershmanMortgage #NMLS138063 #MortgageLocal #mortgage
  • 0 0 2 minutes ago
  • Understanding where your credit score falls is the first step. The next step is to understand how much your credit is impacting you. 
Let us guide you through the process.
  • Understanding where your credit score falls is the first step. The next step is to understand how much your credit is impacting you.
    Let us guide you through the process.
  • 2 1 4 minutes ago
  • For example if your mortgage is $1,200/month & you decide to make an additional $100 payment towards your principle each month, you’ll end up shortening your 30 year mortgage by 7 years! Yes that’s right you’ll pay your home off in only 23 years plus you’ll end up saving thousands of dollars on interest! Thank me later! 😉 #Dreamhomeconnect Click the link or call me today to schedule your free buyers consult! -——————————————————
Shemika Mayfield, REALTOR
eXp Realty, LLC
Mobile: 225-892-6500 
Office: 225-412-9982 ext. 166 
Yourdreamhomeconnect.com
Shemika.Mayfield@exprealty.com
  • For example if your mortgage is $1,200/month & you decide to make an additional $100 payment towards your principle each month, you’ll end up shortening your 30 year mortgage by 7 years! Yes that’s right you’ll pay your home off in only 23 years plus you’ll end up saving thousands of dollars on interest! Thank me later! 😉 #Dreamhomeconnect Click the link or call me today to schedule your free buyers consult! -——————————————————
    Shemika Mayfield, REALTOR
    eXp Realty, LLC
    Mobile: 225-892-6500
    Office: 225-412-9982 ext. 166
    Yourdreamhomeconnect.com
    Shemika.Mayfield@exprealty.com
  • 4 1 5 minutes ago
  • For example if your mortgage is $1,200/month & you decide to make an additional $100 payment towards your principle each month, you’ll end up shortening your 30 year mortgage by 7 years! Yes that’s right you’ll pay your home off in only 23 years plus you’ll end up saving thousands of dollars on interest! Thank me later! 😉 #Dreamhomeconnect Click the link or call me today to schedule your free buyers consult! -——————————————————
Shemika Mayfield, REALTOR
eXp Realty, LLC
Mobile: 225-892-6500 
Office: 225-412-9982 ext. 166 
Yourdreamhomeconnect.com
Shemika.Mayfield@exprealty.com
  • For example if your mortgage is $1,200/month & you decide to make an additional $100 payment towards your principle each month, you’ll end up shortening your 30 year mortgage by 7 years! Yes that’s right you’ll pay your home off in only 23 years plus you’ll end up saving thousands of dollars on interest! Thank me later! 😉 #Dreamhomeconnect Click the link or call me today to schedule your free buyers consult! -——————————————————
    Shemika Mayfield, REALTOR
    eXp Realty, LLC
    Mobile: 225-892-6500
    Office: 225-412-9982 ext. 166
    Yourdreamhomeconnect.com
    Shemika.Mayfield@exprealty.com
  • 4 1 5 minutes ago
  • Start the year off right! ...Contact me today! 🛎 There's no reason why you should go another YEAR with the same credit issues! If you don't change your actions, you will achieve the same results! Text/Dm "Credit Repair" to 615-983-1500
🚘🛳✈💰💳📉📈📊
P.s. Our Protection Plan Membership helps all clients DELETE negative items from their Credit Report PERMANENTLY and increases 📈 your Credit Score Significantly.
  • Start the year off right! ...Contact me today! 🛎 There's no reason why you should go another YEAR with the same credit issues! If you don't change your actions, you will achieve the same results! Text/Dm "Credit Repair" to 615-983-1500
    🚘🛳✈💰💳📉📈📊
    P.s. Our Protection Plan Membership helps all clients DELETE negative items from their Credit Report PERMANENTLY and increases 📈 your Credit Score Significantly.
  • 0 1 5 minutes ago
  • My favorite three letters! CTC
  • My favorite three letters! CTC
  • 1 1 6 minutes ago
  • Really enjoyed the past 2 weeks with my parents visiting from Wyoming. This is when we checked out Goldfield Ghost Town.
  • Really enjoyed the past 2 weeks with my parents visiting from Wyoming. This is when we checked out Goldfield Ghost Town.
  • 4 1 7 minutes ago
  • It's so cool when a loan officer is a former real estate agent and can riff about what it's really like to be an agent.
To see if coaching is a fit for you, please schedule a FREE call with us at www.deryckcheney.com/schedule
Read more at: http://www.deryckcheney.com/blog/2019/2/21/what-is-it-really-like-to-be-an-agent
#deryckcheneymortgagecoaching
#loanofficer
#mortgage
  • It's so cool when a loan officer is a former real estate agent and can riff about what it's really like to be an agent.
    To see if coaching is a fit for you, please schedule a FREE call with us at www.deryckcheney.com/schedule
    Read more at: http://www.deryckcheney.com/blog/2019/2/21/what-is-it-really-like-to-be-an-agent
    #deryckcheneymortgagecoaching
    #loanofficer
    #mortgage
  • 2 0 9 minutes ago
  • This home deserves a beautiful family creating memories. 👨‍👩‍👧‍👦
  • This home deserves a beautiful family creating memories. 👨‍👩‍👧‍👦
  • 2 1 12 minutes ago
  • Introducing 6505 Armelina Crescent, Niagara Falls
.
[Link in profile for more info]
📞 905-304-3303 to book a showing
  • Introducing 6505 Armelina Crescent, Niagara Falls
    .
    [Link in profile for more info]
    📞 905-304-3303 to book a showing
  • 4 1 12 minutes ago