New Locks On Foreclosed Homes: What To Do?

Posted by Estell | Angel of Defense | Tuesday 30 April 2013 7:07 am

Let us assume you are one of the many unfortunates who have lost their jobs and fell behind their mortgage payments. Chances are the bank has already initiated a foreclosure on your home. And maybe you found that out when coming back home from a business trip and discovered your keys no longer matched the lock on your front door. In other words, you were locked out of your own home, with no way of getting in with your old set of keys. The next logical question here is, of course, what to do to get back in and gain access to your personal items? If you are like most homeowners dealing with foreclosure, chances are you weren't prepared for this and you are not sure whether you need to find a new place to live just yet.

Since we know there are a lot of readers who are now eager to learn the answer to these burnign matters, let's sink into the topic without further ado.

Can Banks Change Locks On Your Home?

Yes, they can, but only if you have completely abandoned your home, or permanently moved out of it. In the majority of cases, you still live there, which means the bank has no legal right to change the locks. You do, on the other hand, have the right to stay in your home during the entire length of the foreclosure process.

If you are currently dealing with changed locks on your home, you need to immediately get in touch with your mortgage servicer, which is the company you issue your mortgage payments to. Tell them that you still live in the home and that you must regain access to it as soon as possible. In case the respective company refuses to make the necessary arrangements to let you back in into your home, get in touch with an attorney. You might have to enforce your rights at times.

When Changing Home Locks Is A Good Ideahouse lockout

As a side note, changing locks is a good idea when you are the one personally issuing the demand for enhanced home security reasons. Maybe your home was recently broken into, or you no longer enter using the front door lock that gets constantly jammed. Broken keys and worn-out lock parts are additional common problems that most homeowners deal with over the years.

If you are currently looking at a similar problem as we speak, we recommend you immediately get in touch with a local locksmith you can trust. Have them come over and assess the problem for you if you are not sure what it is that you need. They usually do that free of charge, and even offer additional lock or home security advice if prompted to do so. While a house lockout might require extra money, if you find nearby locksmiths who provide 24-7 service without adding any extra mileage or fees for emergencies, you don't have to spend an arm and a leg.

Just make sure you do not change the locks on your foreclosed home after the bank had already done it. Talk to a legal expert instead and figure out the best and quickest ways of getting back into your home. The last thing you want to do is create more fuss about it. The mortgage contract that you signed when you took the loan gave the bank the right to protect its interest in the home. So in case you do decide to move out of the house, the bank will maintain and secure the property accordingly. One of the first things they will do is change the locks.

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