TheCapstoneTeam.com (510) 432-0617 Derick Drumm of The Capstone Team at Keller Williams – Two Names You Can Trust – discusses the 8 options to foreclosure. 1) Forbearance – Lender gives borrower more time to pay amount in arrears based on promise to pay. 2) Reinstatement – When a homeowner makes up all their back payments to bring the loan current. 3) Repayment Plan – An agreement with the lender that gives the homeowner a fixed amount of time to repay. 4) Refinance – Requires income, good credit and equity to support a new mortgage or deed of trust. 5) Loan Modification – Written agreement to change one or more of the original terms of the note. 6) Deed In Lieu of Foreclosure – Often referred to as a friendly foreclosure since the owner essentially gives the deed back to the bank but it is still a foreclosure. 7) Bankruptcy – A bankruptcy may allow the homeowner to discharge some debt and reorganize. 
Short Sale – When the lender agrees to accept less than the total amount due on the loan. Short Sale Short Sales Avoid Foreclosure How to avoid foreclosure Foreclosure Avoidance Loan Mod Loan Modification Fremont Newark Union City Hayward Dublin Pleasanton Livermore CA California
Question by Peter D: A debtor is bankruptcy can avoid___ once a discharge is granted.?
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