Short Sales

Attention Home Owners -- I can help you avoid Foreclosure Facing foreclosure or upside down in your mortgage and you don't know where to turn? I may be able to help you. I focus on helping homeowners and making them aware of their options. Every day thousands of families enter into foreclosure. Did you know that the last time housing prices fell as sharply as they have this year, was in 1933, after the Great Depression? Many experts say that we haven’t even reached the peak of the foreclosure market.  Are you or someone you know facing financial hardship and can no longer keep up with their mortgage payment?  The lending institutions are changing requirements, procedures and qualifications almost daily.  I know how to deal with these changes correctly, making offers more effective.  With the CDPE designation I have valuable training in short sales that can offer the homeowner much better alternatives to foreclosure, which virtually destroys the credit rating.    There are 9 ways to Avoid Foreclosure: REINSTATEMENT: Bring the loan current FOREBEARANCE: Temporary re-payment plan REFINANCE: New loan with reduction in monthly payments LOAN MODIFICATION: Modify original loan terms SELL THE PROPERTY: Use the equity to pay off or pay difference RENT THE PROPERTY: Must make loan current SHORT SALE: Negotiate with bank to accept sale under loan amount DEED IN LIEU OF FORECLOSURE: "friendly foreclosure" BANKRUPTCY: Will stall foreclosure but not prevent it I help sellers through the emotional experience. Please contact me anytime! I look forward to hearing from you. If you have any questions or concerns please contact me anytime or write to me below.