I have posted a very helpful video to my website www.homeswithjosh.com for those of you who are having trouble making your house payment. Find out how you may qualify for the Making Home Affordable Program and what to consider if you do not.  Avoiding Foreclosure In Idaho Is Your Goal!

After watching the video please feel free to post questions that you may have.

It is not uncommon to think that while you may be having problems making your payment, the future will be different. Isn’t that the idea many shared with the adjustable mortgage loan? I am making $40,000 this year but in the next year or two I should be making $55,000 a year. The downturn in the economy has burst the bubble for millions who expect the best but in turn get what exists in “Today’s Economy”.  Don’t get me wrong we all want the best but I am trying to remember the last report about  the average worker getting the “Big Bonus” or “Generous Unexpected Raise”-

I was talking to a wise man the other day and he said “Josh, don’t we always want things we can’t afford? It seems to me that when I suddenly can afford those things, I no longer want them. Does that make me crazy?” I paused for minute and thought this guy probably has money for a rainy day and isn’t that what we all truly want??  I am willing to bet that he is not trying to figure out whether or not his house payment alone is eating up 31% of his gross pay and then what does that leave him to pay utilities, credit cards, car payment, student loans, entertainment, etc… And finally will his bank help  him modify a loan payment enough (?)  And/OR wipe the principle down to market value (?)   Probably not-

I encourage all of you who may be having a problem making the house payment to first look at all of your options to avoid foreclosure- If you want to and can get your home loan modified-Awesome- But if you can’t and need assistance please call– I have been specializing in Short Sale Properties before and after the housing boom- A Full-Time specialist with the knowledge and systems to help you!

By applying at www.IDshortsale.com you can count on a fast response with options to AVOID FORECLOSURE

Always feel free to call direct 208-353-7131 or josh@homeswithjosh.com