{"id":468,"date":"2024-06-18T14:50:25","date_gmt":"2024-06-18T14:50:25","guid":{"rendered":"https:\/\/www.cianchetta.com\/practice-areas\/bankruptcy\/covid-19-and-bankruptcy\/bank-foreclosures\/"},"modified":"2024-11-12T13:26:33","modified_gmt":"2024-11-12T21:26:33","slug":"bank-foreclosures","status":"publish","type":"page","link":"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/covid-19-and-bankruptcy\/bank-foreclosures\/","title":{"rendered":"Bank Foreclosures"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"468\" class=\"elementor elementor-468\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64a24802 e-flex e-con-boxed e-con e-parent\" data-id=\"64a24802\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e272a89 elementor-widget 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class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6458826b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6458826b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/probate\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 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class=\"elementor-icon-list-text\">Planificaci\u00f3n Patrimonial<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/personal-injury\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Lesiones Personales<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Quiebra<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/veteran-law\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ley de Veteranos<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd74256 elementor-widget elementor-widget-template\" data-id=\"fd74256\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"2343\" class=\"elementor elementor-2343\" 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elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_7a29dd7 elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_7a29dd7\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPhone Number\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_7a29dd7]\" id=\"form-field-field_7a29dd7\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Phone Number\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, 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src=\"https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--1024x564.jpg\" class=\"attachment-large size-large wp-image-781\" alt=\"Businessman and lawyer discuss the contract document. Treaty of the law. Sign a contract business.\" srcset=\"https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--1024x564.jpg 1024w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--300x165.jpg 300w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--768x423.jpg 768w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--1536x846.jpg 1536w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business-.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7047651f elementor-widget elementor-widget-heading\" data-id=\"7047651f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COVID-19 And Bankruptcy: Bank Foreclosures<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad60808 elementor-widget elementor-widget-text-editor\" data-id=\"7ad60808\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>I Heard The Law Prevents The Bank From Foreclosing On My Home, Is This True?<\/h4><p>The\u00a0<a href=\"https:\/\/home.treasury.gov\/policy-issues\/coronavirus\/about-the-cares-act\" target=\"_blank\" rel=\"noreferrer noopener\">CARES act<\/a>\u00a0passed in response to the\u00a0COVID-19 crisis\u00a0does not prevent every bank from foreclosing on a home. There are protections afforded to borrowers if the loan is federally backed, that require the lender to provide you with the forbearance for 60 to 90 days. The forbearance is not forgiveness of the amounts due in the months in which the forbearance is granted, it is simply a reduction or a pause in making those payments. Somehow those payments will have to be made up. Is not clear if those will be made up through a modification, added onto the end of the loan, or repaid over a shorter period of time.<\/p><h4>How Do I Know If I Have A Federally Backed Mortgage?<\/h4><p>You must determine if your mortgage is federally backed to know what forbearance and foreclosure avoidance options are available to you. The federally backed mortgages are backed by: Federal Housing Administration (FHA), Veterans Affairs (VA), U.S. Department of Agriculture\u2019s Rural Home Service (RHS), Fannie Mae, AND Freddie Mac.<\/p><p>If your mortgage is FHA insured, there should be a FHA case number on the mortgage document, there should be specific language in the mortgage and note forms and will be paying an FHA premium located somewhere on your mortgage statement. If you\u2019re not certain you may call HUD\u2019s National Servicing Center at\u00a0<a href=\"tel:8776228525\"><strong>877-622-8525<\/strong><\/a>.<\/p><p>If your mortgage is VA insured, the first thing you must be is a veteran, if you\u2019re not a veteran you do not have a VA mortgage unless you assume the VA mortgage (and you would know that, because it is a very difficult thing to do). On your mortgage documents, you would see that it is a VA backed loan. You can look through the closing packet you received when you purchased your home you will find some documents that indicate it is a VA loan.<\/p><p>If you have a rural home service loan backed by the US Department of Agriculture, you most likely already know this. If you\u2019re not certain you can review your closing documents or ask your servicer to review it and make that determination for you. Your servicer will know if you have an RHS loan.<\/p><p>If you think you have a mortgage backed by Fannie Mae or Freddie Mac you may use their easy lookup websites to determine if they own your mortgage. See <a href=\"https:\/\/www.knowyouroptions.com\/loanlookup\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.knowyouroptions.com\/loanlookup<\/a><\/p><p><strong>Contact A Qualified California Bankruptcy Attorney Today<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7deaa7a e-con-full e-flex e-con e-child\" data-id=\"7deaa7a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3e9f43 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c3e9f43\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aca0802 elementor-widget elementor-widget-text-editor\" data-id=\"aca0802\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For more information on\u00a0<span style=\"font-weight: bolder;\">Filing Bankruptcy During COVID-19 Crisis,<\/span>\u00a0a\u00a0<a style=\"background-color: #fbfcfe;\" href=\"https:\/\/www.cianchetta.com\/es\/contact\/\">consultation<\/a>\u00a0with an experienced California Bankruptcy Attorney is your next best step. Get the information and legal answers you are seeking by calling\u00a0<span style=\"font-weight: bolder;\"><a href=\"tel:9166857878\">(916) 685-7878<\/a>\u00a0<\/span>today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>COVID-19 And Bankruptcy: Bank Foreclosures I Heard The Law Prevents The Bank From Foreclosing On My Home, Is This True? The\u00a0CARES act\u00a0passed in response to the\u00a0COVID-19 crisis\u00a0does not prevent every bank from foreclosing on a home. There are protections afforded to borrowers if the loan is federally backed, that require the lender to provide you [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":466,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-468","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Foreclosures - Cianchetta and Associates<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/covid-19-and-bankruptcy\/bank-foreclosures\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Foreclosures - Cianchetta and Associates\" \/>\n<meta property=\"og:description\" content=\"COVID-19 And Bankruptcy: Bank Foreclosures I Heard The Law Prevents The Bank From Foreclosing On My Home, Is This True? 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