Posts from May 3rd, 2008

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Bank foreclosing? Don't abandon your home; it's not that simple - from the Chattanooga Times Free Press

May 3rd, 2008 by Anonymous

Reported by: Jason Reynolds

Saturday, May 3, 2008

It may be tempting for someone facing foreclosure to turn the house over to the bank, experts say, but doing so is hard to accomplish and could leave a homeowner with huge liabilities.

"You can't always just walk away," said Cindy Walker, managing broker of Crye-Leike Realtors' REO (real estate owned) Division, which sells bank-repossessed homes. "The lender has to accept the deed."

Companies such as Crye-Leike that deal with foreclosures are seeing an increase in people who mail their keys in to the lender thinking that handing the house over will relieve them of their debt, Ms. Walker said. Such a practice, called "jingle mail," has to be approved by the lender before the homeowner does it, she said. The lender typically requires proof of financial difficulty, she said, and will want to know why the homeowner is having t...

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Categories: Crye-Leike in the News