{"id":10465,"date":"2019-11-12T12:00:26","date_gmt":"2019-11-12T12:00:26","guid":{"rendered":"https:\/\/kenyahomes.co.ke\/blog\/?p=10465"},"modified":"2019-11-13T07:03:15","modified_gmt":"2019-11-13T07:03:15","slug":"what-happens-when-defaulting-on-a-mortgage","status":"publish","type":"post","link":"https:\/\/kenyahomes.co.ke\/blog\/what-happens-when-defaulting-on-a-mortgage\/","title":{"rendered":"What Happens when Defaulting on a Mortgage?"},"content":{"rendered":"\n

Over the last few years, the housing market has seen steady improvement, and defaulting on a mortgage has reached its lowest point since 2012. <\/p>\n\n\n\n

Despite the upswing, though, there are still homeowners who are upside down on their loans. When you reach the point where your monthly payments are just too much to handle. Or you feel like there\u2019s no hope of building back lost equity, foreclosure becomes a very real possibility. <\/p>\n\n\n\n

Defaulting on a mortgage is one way out of the situation, but it comes with significant risks you must consider.<\/p>\n\n\n\n

Cost to Your Credit<\/strong><\/h5>\n\n\n\n

You can pretty much guarantee that if you go into default, your credit score is going to take a nosedive. Payment history accounts for 35% of your credit score and anytime there\u2019s a late or missed payment, it knocks off a few points. <\/p>\n\n\n\n

If your home ends up being foreclosed on, that\u2019s the final nail in the coffin for\u00a0your score. Foreclosures can stay on your credit for up to seven years. This can impact your long-term ability to obtain new credit,\u00a0rent\u00a0an apartment or get utility services in your name without paying a huge deposit.<\/p>\n\n\n\n

You Could Be Sued<\/strong><\/h5>\n\n\n\n

If you walk away from a home and there\u2019s a substantial amount of money remaining on the loan balance, your lender may decide to come after you to collect. <\/p>\n\n\n\n

They seek what\u2019s known as a \u201cdeficiency judgment<\/a>,\u201d which requires you to pony up the difference between the home\u2019s fair market value and what you still owe on the mortgage. <\/p>\n\n\n\n

Deficiency judgments don’t always apply. You need to be aware of the possibility that the lender could bring a lawsuit against you well after the fact.<\/p>\n\n\n\n

It Can Increase Your Tax payments<\/strong><\/h5>\n\n\n\n

Generally, cancelled debt is counted as income for tax purposes unless you qualify for an exception. There can be a way to allow homeowners who lost their homes through short sales or foreclosures to escape a major tax penalty for mortgage debt that was forgiven.<\/p>\n\n\n\n

Unfortunately, while an extension is being debated, it\u2019s not set in stone. When defaulting on a mortgage with a significant amount owed\u00a0and your lender decides not to pursue a deficiency judgment, it can come back to bite you at tax time.<\/p>\n\n\n\n

You May End up Having to File Bankruptcy<\/strong><\/h5>\n\n\n\n

In situations where you know the lender may come after you for the difference after foreclosure, your options are very limited. You can try to negotiate a settlement or payment arrangement of some kind to avoid a lawsuit, but if that doesn\u2019t work, you\u2019ll have to go to court.<\/p>\n\n\n\n

If that happens, you can try to show that you\u2019re judgment-proof, which basically postpones the lender\u2019s ability to attack your bank accounts or garnish your wages. The only way to eliminate the judgment entirely, however, is to file bankruptcy.<\/p>\n\n\n\n

Simple bankruptcy\u00a0is known as liquidation bankruptcy because even though any debts you include in the filing are wiped out. You’ll have to turn over some of your assets to the court so they can be sold and the assets used to pay your creditors. <\/p>\n\n\n\n

The filing can stick around on your credit for up to 10 years. So if you\u2019ve already got a foreclosure showing, it\u2019s just going to drag your score down even more if you go bankrupt.<\/p>\n\n\n\n

The Bottom Line<\/strong>:<\/h6>\n\n\n\n

Walking away from your home, whether it\u2019s intentionally or because you simply can\u2019t afford to pay any more, is never an easy decision, especially when you consider the financial implications. <\/p>\n\n\n\n

Even if you\u2019re able to escape judgment and the tax consequences aren\u2019t devastating, you\u2019ll likely run into trouble if you\u2019re interested in buying a new home any time soon.<\/p>\n\n\n\n

If you\u2019re planning to rent down the road, you\u2019ll need to make sure that you\u2019re saving up some cash before you end up in foreclosure. So you don\u2019t have to charge all your moving costs to a credit card, which can create even more of a financial strain. <\/p>\n\n\n\n

You also need to maintain your homeowner\u2019s insurance and keep up with the property taxes before you leave the home for good to avoid any additional liability.<\/p>\n","protected":false},"excerpt":{"rendered":"

Over the last few years, the housing market has seen steady improvement, and defaulting on a mortgage has reached its lowest point since 2012. Despite the upswing, though, there are still homeowners who are upside down on their loans. When you reach the point where your monthly payments are just too much to handle. Or […]<\/p>\n","protected":false},"author":1,"featured_media":10473,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":"","footnotes":""},"categories":[29],"tags":[],"class_list":{"0":"post-10465","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financing"},"yoast_head":"\nWhat Happens when Defaulting on a Mortgage? - Kenya Homes<\/title>\n<meta name=\"description\" content=\"Defaulting on a mortgage is one way out of the situation, but it comes with significant risks you must consider. 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