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Because Hawaii s the biggest, it's also the a rate reduction which actually reduces your interest rate for the remainder of the mortgage, recasting the payments by re-computing payments to include any. delinquency, exténding the term of the loan the debt allowing a short-sale to proceed. allowing delinquent payments to be paid at Remember, there may be tax or collection the end, converting the type loan in order to reduce payments or alowing a one-time so be sure to consult your tax advisor or assumption of an otherwise non-assumable legal counsel before considering a short loan. Your willingness to cooperate coupled with your individual circumstance will largely dictate your choices. If the situation seems hopeless, options such as a deed-in-lieu allow your interest in the property to revert to the lender. This is a complicated option in Hawaii, however. option. When you owe more than the property is worth which is very rare these days, the lender may actually forgive part of consequences which apply to your situation hardest to catch-up. It's important to be forthcoming with your lender when irikameierak situations get out-of-hand. While collectors are normally over-aggressive (many get paid for each payment they collect), keep in mind that the lender wants to be sure you do not default. Tell the Collector that you want majormom@ilhawaii.net to speak to the Loss Mitigation (or Home 2021 East sale or voluntary foreclosure. So, it you find yourself suffering from Holiday Hangover, take two aspirin and call the Lender or your REALTOR(R) in the morning. It may be just what the Mortgage Doctor ordered! Kaiwiki Acreage 25 acres w/ ocean views, A-SA zone. Waterfalls, swim spots, native plants, home building possible. cell 936-5100 MLS #652165 New Price $499K Blog forward at www.hawaianrealtyhomes.com FIND MY COLUMN EVERY SUNDAY OF THE MONTH. 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