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Facing the prospect of foreclosure can be terrifying. Programs are available to assist borrowers in difficult circumstances, but some people prey on homeowners who are afraid and desperate. Here are some tips to help you avoid becoming a victim.

Beware of False Claims
Sometimes scammers find out the names of homeowners and their mortgage lenders and call or send letters claiming to be from the lender. In other cases, they claim to represent the lender without naming it, or say they work for a government-approved agency. Fraudsters might offer to buy your home for cash at a price well below market value. Dont provide any financial information to someone who contacts you if you didnt reach out to the company or agency on your own first.

A company other than your lender cant pre-approve a mortgage modification or guarantee that youll be approved if you fill out an application. Only your lender can decide whether to modify your loan. Paying an outside company wont increase your chance of being approved for a mortgage modification.

Dont Be Pressured Into Making Payments or Signing Documents
Its illegal for a company to demand payment up front for a mortgage modification. Dont pay, even if the company offers a money-back guarantee.

Fraudsters often tell homeowners to pay them a fee and promise that theyll handle everything. They tell homeowners not to have any further contact with their lender or instruct them to send mortgage payments to a different address. Dont fall for it.

Avoid any company or representative who pressures you to sign documents that you havent had a chance to review or dont understand. Dont sign a document unless youve had it reviewed by your own attorney and you understand the reason for it and the ramifications.

Some scammers tell homeowners they need to sign over the deed to their home but claim that the transfer is only temporary. Dont sign over your deed to anyone unless your mortgage lender has agreed to forgive your balance and youre working with the lender directly.

The Right Way to Avoid Foreclosure
The foreclosure process is long and expensive for mortgage lenders and is filled with all sorts of potential problems. Your lender would rather work with you to modify your loan and keep you in your home than proceed with foreclosure. If youve fallen on hard times, contact your lender to explain your circumstances and discuss your options.

Mortgage assistance programs are available for homeowners who are struggling, and you can apply for free on your own. You can also get help from a housing counseling agency approved by the U.S. Department of Housing and Urban Development.

This article is intended for informational purposes only and should not be construed as professional or legal advice.

Published with permission from RISMedia.

Countertops are one of the most important elements in a kitchen. Here are some choices to consider for your next remodel.

Granite

Granite countertops are available in an array of colors and each piece is unique. The price may depend on the type of stone you choose, its origin and its thickness.

Engineered Stone

Engineered stone countertops are durable, have a nonporous surface that can resist stains or scratches and require minimal maintenance.

Soapstone

Soapstone is a good choice for a historic home. It has a pewter color that can gradually darken. You will need to regularly maintain them with mineral oil.

Wood

Wood countertops are easy to clean. If they get scratched, they can be repaired by sanding. Wood countertops must be oiled often to prevent water damage.

Ceramic

Ceramic tile can be used to cover existing countertops. Ceramic tile is available in many colors and textures, but the tiles need to be grouted and can crack.

Published with permission from RISMedia.

Regular maintenance is an ongoing process for every homeowner. Keeping up with smaller projects is essential if you want to avoid major problems down the road.

With a little bit of preventative maintenance, you can ensure that your home remains beautiful and efficient for years to come. Here are four areas of your home that are likely in need of some attention:

Roof
A well-constructed roof should last for at least 30 years, but some of the shingles will need to be replaced well before that. Replacing damaged tiles is immediately going to improve the appearance of your home, and that simple project could help you avoid serious water damage. As a general rule, tiles and shingles need to be replaced if theyre curled, cracked or bent. You also need to replace any metal flashing thats bent or warped.

Exterior Walls
Putting a fresh coat of paint on your home can have a huge impact on its curb appeal, especially if the homes current paintjob is old, cracked and peeling. While you can paint your own home”there are many people who do”you may also want to hire a residential painting company. Trying to paint exterior walls without the proper tools and equipment is going to be exhausting, even dangerous, if you have a multi-story home. An experienced team of painters should be able to paint your walls and trim in one or two days, and many contractors guarantee their work.

Front Door
Is your front door an old eyesore? Paint the door to freshen it up and beautify your entranceway. Its a simple project that shouldn’t take more than a few hours”you won’t need anything more than a few basic tools and a can of your desired paint. If you plan on selling your home in the near future, then you should pick a relatively neutral color that matches the exterior walls and trim. Also be sure to coat the door in some type of exterior sealant if you want the paint to last.

Windows
Modern windows usually last for decades, but older panes and sills are inefficient. After a few years, your windows might become warped, allowing air to escape and increasing your utility costs. You can continue to seal around the outside of your windows once every few years, but you should consider replacing them entirely if theyre old and unsightly. Modern windows will improve the efficiency of your home while boosting its appearance.

Before you tackle any of these projects, make sure to research all local building codes. While most cosmetic renovations don’t require any permits, there are strict regulations regarding major structural modifications, and you could face huge fines and fees if you don’t adhere to those codes.

Source: Anita Ginsburg/RISMedia’s Housecall

Published with permission from RISMedia.

Your shower should be one of the cleanest spots in your house, but due to the constant presence of moisture, this can be tough.

Try the following clean-shower hacks:

– Keep a spray bottle of water and vinegar in your shower and spritz after your daily rinse.

– A rubber squeegee”not unlike the ones you use to clean your car windshield”can help keep excess moisture from creating mold on your walls or shower door.

– After your shower, shake your curtain to get rid of excess moisture that can lead to mold.

– Every other week, throw your shower curtain in the wash with your towels, then hang it up to dry.

– If you have a built-in fan in your bathroom, use it! It’s a top trick for minimizing mold.

Published with permission from RISMedia.

Published with permission from RISMedia.