©m_bartosch - freedigitalphotos

©m_bartosch – freedigitalphotos

Most people in the USA seem to believe in God, or some sort of higher power, but do our higher powers care if we lose your homes to foreclosure? Across the nation, homeowners are praying to God to stop foreclosure and help them through their financial hardship. Realtors and mortgage brokers are even meeting in prayer groups to pray for more home sales. Obviously, if praying and faith alone were enough to stop foreclosure, we would have much less of a foreclosure problem in our country, but does that mean your faith and religion can’t help you through foreclosure?

st joseph statueMany churches now offer foreclosure assistance to their patrons by way of special foreclosure classes and education. These classes involve professional financial planning, as well as education about mortgages and predatory lending. A few churches may even provide financial assistance or provide loans to members of their congregation. The general public is welcome to attend any workshop or class, even if they are not associated with the religion. Catholic Charities USA sponsors many workshops across the nation and has provided help to over 4000 foreclosure victims. Many religions have similar classes and charities available on a weekly or monthly basis.

Another religious based foreclosure prevention technique is to bury a small plastic statue in the backyard when you need to sell your home. Burying a statue of Saint Joseph somewhere in your yard or garden is reputed to enlist the saint’s assistance in finding a buyer. This can help prevent foreclosure when you can no longer afford to make payments. Many homeowners, after having their home listed for years, have reported success within a few days after burying the statue. Some say the statue should be buried upside down until the home sells and removed afterwards. Others believe that leaving the statue will help protect the property for the new owner. For a mere $3.95, you can sell your home and avoid foreclosure, or so the ad says. Well, just like praying, if you’re facing foreclosure, you might want to enlist the help of anyone willing to offer it!

Your church can offer a great support group, and for many, their faith can provide the motivation needed to make it through tough situations. But, as with any difficult situation, you will need to accept help from all possible sources of help. There are many government programs available to help and foreclosure professionals can easily help you keep your home and get a lower payment by negotiating with your existing lender. You may even be able to refinance into a brand new loan, if you act soon enough. The key to stopping foreclosure is acting quickly and taking the steps necessary to stop foreclosure.

Although there are no facts that say praying will help save your home, I am pretty sure it will never hurt. But praying alone isn’t enough. Always remember, God isn’t going to save your home through divine intervention, but he just might point you in the right direction so you can find the help for yourself.

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