yajy-- foreclosure yog ib qhov teeb meem rau peb coob tus tsis yog
hmoob xwb, americans are included. kuv muaj coob tus kwv tij phooj
ywg hmoob ua hauj lwm tau nyiaj ib yam li yus xwb. tej tus tseem tau
nyiaj tsawg tshaj yus, tab sis lawv mus yuav tej tsev txog 300, 400
tawm tshiab ces tam sim no them tsis taus lawm. ho muaj ib co ces
yeej yuav lub tsev li 100, 200 tawm tshiab xwb, tab sis lawv muab
refianced 2, 3 zaug kom tau cash back. tom qab ntawm ces lub tsev nce
nqi ntau ntxiv rau lawm ces tam sis no them tsis tau lawm thiab. co
no ces tam sim no rov mus nyob tsev xoj nrog khej dub lawm xwb.

today there are some government programs out there that might be able
to help, but only for a temporary. so here are some of the best way to
avoid foreclosure.
1. nas kos yuav tsum tau ntshuas nas kos cev txiav xyoob. this means
purchase what you can afford.
2. never refinanaced with cash back
3. refinanced should only be for lower interest rate and for 30 years
fixed rate. never go for adjustable rate. adjustable rate is only
for business people who purchase and resell within 5 years or less.
4. never purchased mortgage insurance unless it is required by your
lender. it simply adds up your monthly payment. it can never help
unless one of you or your spouse die. you are better of to purchase a
term life insurance policy. it is much cheaper and your lampsum
proceed is much greater should you or your spouse die.
5. never take on a 2nd mortgage or make a home equity loan. 2nd
mortgage and home equity loan are only for businesmen who just want to
make some improvement to attract buyers and resell it for better
price.