Sandi Hart Realtor

Many years ago Danya back row center and I holding sauce pan on R. One of the many PJ parties of our early teens.

Friends and Neighbors,

In this troubled time we are experiencing and things getting tight, you may be thinking of calling your Mortgage Company to see if your payments may be put off for a few months. Many are doing so but please understand if you are one of them. There are two ways your Mortgage Company may offer you. One is called Deferment the other is Forbearance. Understanding the difference is very important to you

DEFERMENT VERSES FORBEARANCE

Deferment allows you to miss payments for lets say, 6 months or what is needed. Your payments for that period will be moved to the back of your Payment schedule extending the term for 6 more months.

The Forbearance is the one to avoid in most cases as what ever time is given to delay payments such as 6 months, those payments will be DUE IN FULL at the end of your 6 month.

If you need more information about these two methods, please call me. I will be happy to discuss this with you further.

FRIENDS, I want you to know that I am still working and still here for you during this unsettling time. Real Estate is a bit slower right now but is still happening. New listings coming in everyday. New Pendings, New Closings, ETC. If you have any questions, problems or needs, don't hesitate to call on me. I will be checking in on you also, making sure you are all doing ok. Again, I am always here for you. You are all very important and special to me.