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Foreclosures >1. What Is a Foreclosure?
A foreclosure is a legal process through which a mortgagor loses his or her equitable right to redeem a mortgaged estate; in other words, the lender completely repossesses the home from the borrower (homeowner.) The lender goes through the legal motions to sell the property, terminate all the homeowner’s rights in that property, and remove the homeowner.
What are the effects?
The most stressful and pressing effect that foreclosure has is that the borrower loses his or her place to live.
Foreclosure negatively affects the borrower’s credit rating. It stays on a credit report for seven years and drops a credit score 250 points.
A borrower who’s been foreclosed on may have trouble finding and keeping jobs since good credit may be required by employers to be hired.
A foreclosed home can bring down the value of surrounding homes.