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Foreclosure/i've been forclosed on, now what?

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Question
I bought a house in 2007 at 59k, loan with BOA w/a fixed rate, Green-tree wound up with my loan & my payments kept going up, i asked for a loan modification & after 6 years of paying on this home, their terms were that i start my payments at the original price & they were also going to tack another 10 years onto the 30 year loan. I felt I was being taken advantage of so I moved out of the house in 2014. They sold the house for 19k. That was my first home purchase but i don't want it to be my last. Is there any help out there for me?

Answer
First of all, I am so sorry for the delay in responding.

Your credit score is probably low, so you will wait to work on rebuilding your credit. If you are renting, pay on time, try to not use credit cards and pay cash. Zit will be a long road( several years), but you can certainly purchase another home in the future.

If you want to talk, please feel free to call me at 919-323-0980.

Stay strong, positive and you can do it!!!

Tonya:)

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Tonya Snow-Saleeby

Expertise

I am a Realtor® in Raleigh Durham area and have working knowledge of the market in Durham, Raleigh, Hillsborough, Chapel Hill, Bahama, Rougemont, Roxboro and surrounding areas. If it involves real estate, I can help you!! I have worked extensively with bank and HUD foreclosures, as well as short sales. In addition, I have worked with many first time homebuyers...providing them with valuable information and insight into the exciting first home purchase!!!

Experience

I was born and raised in Roxboro and spent much of my time in Durham. After living in Savannah, Georgia for some 14 years, I have returned to Durham. Since returning, I have been working as a Real Estate Professional and know the market well. I also have working knowledge of the surrounding areas, such as Hillsborough, Mebane, Efland, Rougemont, Bahama, Cary, Morrisville and Raleigh.

Organizations
Durham Regional Association of Realtors North Carolina Assocation of Realtors

Education/Credentials
NC Certified Real Estate Broker Fonville Morisey Realty Broker Relocation Certified Associate Certified Real Estate Negotiator Graduate Realtor Institute(GRI) North Carolina Notary Public Training Mentor

Awards and Honors
Fonville Morisey Manager's Award for April & December 2007; February, April & November 2008; March, April, May, July, August 2009; April, June, July, September & December 2010; March, April, May, July, October & December 2011; January, March, May, July, August, September, October 2012; April & June 2013 Fonville Morisey Sales Associate of the Month for March 2009,September 2010, June 2011, July & September 2012 Fonville Morisey Listings Sold Associate of the Month for December 2010 Fonville Morisey Listing Associate of the month for December 2011 Fonville Morisey Executive's Club 2007, 2008 & 2010 Fonville Morisey Director's Club 2009, 2011 & 2012 Fonville Morisey Fast Trackers Award 2007 Fonville Morisey Spirit Award for Croasdaile office 2010

Past/Present Clients
I recently purchased a home in Durham, and Tonya was my realtor. I wanted to tell you how wonderful an experience it was to work with Tonya. I am probably the longest standing client she has ever had! My first encounter with Tonya was about 1 1/2 years ago. After living and renting in Durham at that time for about 3 years, I had decided it was time to go house hunting. I drove by a home that I considered a possibility and Tonya`s name was on the sign as the listing agent. I immediately called her from my cell phone and... she answered!!! I never did look at that home; but since that day Tonya has spent countless hours assisting me with my home investment, and she has always been available in a timely manner. She consistently worked with a particular listing agent who was, in my opinion, next to impossible, if not utterly impossible to work with. When the sale of that property failed for us, she did not skip a beat with proceeding to the next "adventure!" She completed all of the "legwork" for me and did so eagerly, making phone calls, getting questions answered, setting up inspections, as well as showing me many, many properties and encouraging me when I looked at her with each and every "no" . Finally, we found the property that is right for me, and during the closing process, Tonya worked relentlessly to accomplish the necessary steps so that we could close to my satisfaction. Tonya handled difficult situations with ease and confidence and professionalism. She remains calm under pressure, and is consistently upbeat and positive. Tonya went above and beyond in every aspect of my experience. I truly feel that she is not only my realtor but my friend, and Fonville Morisey has a loyal client because of Tonya Snow-Saleeby. Charlene You really are amazing. I was in business for 40 years and I’ve never met anyone with your amazing work ethic—just one of your great business skills......Frank and Nancy

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