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I believe every homeowner deserves the best information and education to avoid losing a home to foreclosure and damaging credit for years to come.A� Many homeowners today are facing uncertainty. They do not know what to do next for themselves and their families. A�Despite all attempts to hold on, foreclosure has become a reality that if not addressed and handled correctly, it can have a devastating outcome. A�Here are a few examples of how a foreclosure will affect your life.

Foreclosure is the most challenging issues against a security clearance outside of a conviction of a serious misdemeanor or felony.A� If a person has a foreclosure and is a police officer, in the military, security, or any other position that requires a security clearance; the clearance could be revoked and the person will not be able to perform the duties required for the job.A� On its own, a short sale does not challenge most security clearances due to the fact that short sales are not explicitly reported on a credit report.

Employers have the right and are actively checking the credit regularly of all employees who are in sensitive positions. In many cases, a foreclosure is ground for immediate reassignment and sometimes termination.A� Many employers are requiring credit checks on all job applicants. A foreclosure is one of the most detrimental credit items an applicant can have and will challenge employment in most cases. Again, since a short sale is not reported on a credit report; therefore not a challenge to employment.

A�Now more than ever, you need to prepare yourself to navigate the mistakes that are most commonly made. As a Certified Distressed Property Expert (CDPE), I have been specifically trained to assist homeowners in difficult situations.A� If you would like more information or assistance, please contact Krista at 832-585-3035.

  1. 3 beds, 2.1 baths
    Home size: 2,123 sq ft
    Lot size: 8,245 sqft
    Year built: 1994
    Days on market: 1
    Listed with Keller Williams Realty
  2. 3 beds, 2.1 baths
    Home size: 1,756 sq ft
    Lot size: 6,930 sqft
    Year built: 1987
    Days on market: 1
    Listed with Keller Williams Realty
  3. 3 beds, 3.1 baths
    Home size: 2,492 sq ft
    Lot size: 7,061 sqft
    Year built: 2011
    Days on market: 1
    Listed with LV Properties
  4. 4 beds, 3 baths
    Home size: 2,626 sq ft
    Lot size: 8,411 sqft
    Year built: 1992
    Days on market: 1
    Listed with Texas Home Group, REALTORS
  5. 4 beds, 3 baths
    Home size: 3,041 sq ft
    Lot size: 8,074 sqft
    Year built: 2005
    Days on market: 1
    Listed with Keller Williams Realty
  6. 4 beds, 3.1 baths
    Home size: 3,010 sq ft
    Lot size: 7,861 sqft
    Year built: 2018
    Days on market: 1
    Listed with Heritage Texas Properties
  7. 4 beds, 4.2 baths
    Home size: 4,627 sq ft
    Lot size: 16,552 sqft
    Year built: 2003
    Days on market: 1
    Listed with Beth Ferester & Company
  8. 3 beds, 2 baths
    Home size: 1,926 sq ft
    Lot size: 7,965 sqft
    Year built: 1998
    Days on market: 1
    Listed with Heritage Texas Properties
  9. 5 beds, 4 baths
    Home size: 3,122 sq ft
    Lot size: 8,467 sqft
    Year built: 2002
    Days on market: 1
    Listed with Coldwell Banker United,
  10. 4 beds, 2.1 baths
    Home size: 2,321 sq ft
    Lot size: 9,879 sqft
    Year built: 1999
    Days on market: 1
    Listed with Southern Star Properties, LLC
  11. 4 beds, 2.1 baths
    Home size: 2,660 sq ft
    Lot size: 11,325 sqft
    Year built: 2003
    Days on market: 1
    Listed with Connect Realty.com
  12. 4 beds, 3 baths
    Home size: 2,798 sq ft
    Lot size: 10,798 sqft
    Year built: 1982
    Days on market: 1
    Listed with BHGRE Gary Greene
  13. 5 beds, 3.1 baths
    Home size: 4,119 sq ft
    Lot size: 16,552 sqft
    Year built: 2004
    Days on market: 1
    Listed with Coldwell Banker United,
  14. 4 beds, 3.1 baths
    Home size: 4,388 sq ft
    Lot size: 17,859 sqft
    Year built: 2004
    Days on market: 1
    Listed with Martha Turner Sotheby's
  15. 4 beds, 2 baths
    Home size: 2,211 sq ft
    Lot size: 7,453 sqft
    Year built: 1996
    Days on market: 2
    Listed with First Millennium Realty

See all The Woodlands Listings.
(all data current as of 6/21/2018)

Listing information deemed reliable but not guaranteed. Read full disclaimer.

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Showing 2 comments
  • Shannon Register, Realtor

    The short answer is no. After 2 years, you can apply for a loan if you had a short sale on your previous home. However, with a foreclosure, it can take up to 10 years to overcome and you will always have to answer “yes” on your loan application where it questions you about ever having had a foreclosure.

    Much much better on your credit to have a short sale than a foreclosure. Feel free to call if you have any questions. We would be happy to talk to you about your options. 281.288.3500

  • Jane

    I read that after two years, you can re-apply for a loan and buy a house after foreclosure. I am wondering if this is true. What is your opinion on doing so? I also hear it can be a good time to buy because there can be more government assistance and lower rates at this stage. Below is the site I have been sourcing for this info. Looking for a second opinion. Thanks! — Jane

    http://www.homeloanacademy.com/home-loan-blog

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