The challenge you may face is not knowing all of your options and in today’s uncertain times those options are changing daily. Everyone is involved from Governor Schwarzenegger and President Obama to Fannie Mae and Freddie Mac and it is all so confusing.
Has anyone really sat you down and asked you these three questions?
1. What do YOU want?
2. Do you know your options?
3. Do you want Proven Help?
The most important thing is what do you want?
As a Homeowner you still have rights that must be adhered to and foreclosure laws are designed to protect you and you need to know what they are.
Foreclosure laws are very strict and must be followed or the penalties are harsh. By the same token you must act in order to get what you want. What you need today is someone that you can speak to that is not selling you something, but showing you what path to take based on what your goals are.
If you want that peace of mind and a clear direction just pick up the phone and call us for a FREE one hour consultation 209-834-2682. This is a private conversation between you and us. No one will know about it, not even your bank.
Let us help you to decide what options are best for you. Not only will we discuss what options would be most beneficial we will put you in touch with someone to help you achieve your wishes.
Tuesday, June 23, 2009
Monday, June 15, 2009
Free Reports To Save Your Mountain House Home
Help For Homeowners Facing Foreclosure
The current real estate market has caused stress and confusion for many homeowners. Many are facing foreclosure which is a devastating financial and emotional process for a homeowner to go through, and in many cases they do so alone.
As a Certified Distressed Property Expert (CDPE) and Broker I have the expertise required to help you to save your credit, relieve the uncertainty and most of all, help your family. This could include negotiating with your lender, if possible, to modify the terms of your mortgage, negotiate to have the arrears added to the end of your loan, or, when all else fails, attempt to negotiate a "short sale" where the lender agrees that the house can be sold by the homeowner for less than is owed.
Who pays? If the lender agrees to a short sale, all the costs of the sale, including commissions, are paid by the lender. If I am able to help you sell your home without a short sale then commissions would be paid out of any proceeds. If the loan is modified or renegotiated, there are no real estate commissions or real estate related charges to you. My GOAL is to help homeowners STAY in their homes if at all possible.
Free Reports:
email reports@SaveMyMHhome.com To Request Any of the Following Free Reports. Be sure to put the name of the report in the subject line:
*** The 7 Most Common Short Sale Pitfalls
*** Options and Solutions for Homeowners in Foreclosure
*** Foreclosure vs. Short Sale - Homeowner Consequences
*** The 7 Most Dangerous Short Sale Myths
*** 3 Must Have Qualifications For A Short Sale Homeowner
Why Foreclosure Should Be Your Last Resort
The homeowner will always have to disclose they have had a foreclosure on any mortgage application and on many job applications.
May impact your credit report negatively up to or greater than 300 points (affecting ability to get a car, apartment, credit cards, etc!)
A foreclosure is the one credit report item that is almost impossible to have "repaired".
Military and government security clearance could be at risk with foreclosure.
Many employers run credit checks on prospective employees and foreclosure is one of the top items that could put a potential new hire jeopardy.
You will be ineligible for a government insured loan (VA, FHA, VHDA) for 5 to 7 years
You may end up with a "Deficiency Judgment."
Your tax liability in a foreclosure may be much higher than in a short sale
What Constitutes A Distressed Property?
A Distressed Property:
Is in poor physical condition, has not been maintained.
Is now or will soon be in a stage of the foreclosure process.
Is owned by a person or persons who are experiencing a period of financial instability (lost job, illness, unexpected job relocation, etc.)
Is one on which the mortgages are higher than the current value and the owner must sell.
The current real estate market has caused stress and confusion for many homeowners. Many are facing foreclosure which is a devastating financial and emotional process for a homeowner to go through, and in many cases they do so alone.
As a Certified Distressed Property Expert (CDPE) and Broker I have the expertise required to help you to save your credit, relieve the uncertainty and most of all, help your family. This could include negotiating with your lender, if possible, to modify the terms of your mortgage, negotiate to have the arrears added to the end of your loan, or, when all else fails, attempt to negotiate a "short sale" where the lender agrees that the house can be sold by the homeowner for less than is owed.
Who pays? If the lender agrees to a short sale, all the costs of the sale, including commissions, are paid by the lender. If I am able to help you sell your home without a short sale then commissions would be paid out of any proceeds. If the loan is modified or renegotiated, there are no real estate commissions or real estate related charges to you. My GOAL is to help homeowners STAY in their homes if at all possible.
Free Reports:
email reports@SaveMyMHhome.com To Request Any of the Following Free Reports. Be sure to put the name of the report in the subject line:
*** The 7 Most Common Short Sale Pitfalls
*** Options and Solutions for Homeowners in Foreclosure
*** Foreclosure vs. Short Sale - Homeowner Consequences
*** The 7 Most Dangerous Short Sale Myths
*** 3 Must Have Qualifications For A Short Sale Homeowner
Why Foreclosure Should Be Your Last Resort
The homeowner will always have to disclose they have had a foreclosure on any mortgage application and on many job applications.
May impact your credit report negatively up to or greater than 300 points (affecting ability to get a car, apartment, credit cards, etc!)
A foreclosure is the one credit report item that is almost impossible to have "repaired".
Military and government security clearance could be at risk with foreclosure.
Many employers run credit checks on prospective employees and foreclosure is one of the top items that could put a potential new hire jeopardy.
You will be ineligible for a government insured loan (VA, FHA, VHDA) for 5 to 7 years
You may end up with a "Deficiency Judgment."
Your tax liability in a foreclosure may be much higher than in a short sale
What Constitutes A Distressed Property?
A Distressed Property:
Is in poor physical condition, has not been maintained.
Is now or will soon be in a stage of the foreclosure process.
Is owned by a person or persons who are experiencing a period of financial instability (lost job, illness, unexpected job relocation, etc.)
Is one on which the mortgages are higher than the current value and the owner must sell.
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