I’m Willing or Want to Leave my House

We understand that sometimes staying in your house may no longer be the right decision. Job relocations or losses, divorces, and other major life circumstances sometimes happen. You may still be able to avoid foreclosure using one of these solutions to help settle your First Savings Bank mortgage loan:

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Take a look at these home loan assistance solutions for settling home loan debt.

Short Sales: If you’re looking to settle your home loan debt and prevent foreclosure, you may want to consider a short sale – selling the property for less than you owe. First Savings Bank may work with you on the best Short Sale options which generally fall into two categories:

Cooperative Short Sale: If you did not qualify for a loan modification or deferral and are looking to settle your home loan debt to prevent foreclosure, this may be right for you. If approved, we  will work cooperatively towards an outcome that helps settle your mortgage loan. In some cases, you may qualify for assistance with relocation costs.

Traditional Short Sale: This may be an option if you already have a buyer but don’t yet have approval from First Savings Bank to pursue a short sale. Please call us to discuss your options. If you come to us with an offer but without prior approval, we may be required to evaluate you for all programs, including a loan modification, before you can be eligible for a short sale. If you have already decided to sell your house and are considering a short sale, please call us immediately. Our contact information is at the bottom of this page.

Pre-Foreclosure Sale: Sell your home and pay off a portion of your mortgage balance when you owe more on the home than it is worth. This may allow you to transition out of your house without going through foreclosure.

Deed-in-Lieu of Foreclosure: With a deed in lieu of foreclosure, or deed in lieu, you agree to transfer the title or ownership of your property to First Savings Bank in order to avoid foreclosure. This process may satisfy all or a portion of the mortgage debt and in some cases, we might be able to offer relocation assistance.

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