Many homeowners are having trouble making their mortgage payments and are stretched financially to the point that they are just one “life event” away from foreclosure. We are also faced with a slipping market and many homeowners owe more on their home than they are currently worth.

There are many ways to lose a home but signing away ownership in a manner that destroys credit, embarrasses the family and strips an owner of dignity is one of the hardest. Falling behind in payments and finding yourself with limited options can be a very stressful time for you and your family. It is extremely important that homeowners do something NOW.

The Loan Modification Process can be difficult and you must be very careful when dealing with your Bank.  Loan Modifications are not to be taken lightly.  In some cases you have one chance to do this right. Banks are in business to make money – Not to make your life more comfortable. By no means am I suggesting you don’t try. In fact, you should go for it! It could happen. Request my Loan Modification Manual if you’d like to find out more about this option.

In the event you are unable to negotiate a modification of your loan, because you do not meet the qualifications of your bank or any other reason, we can assist you to sell in a short sale or discuss other possible options at no cost to you.

A Short Sale allows the property to be sold at market value with lenders accepting less than the total amount due on the mortgage. In fact, it has actually become easier to Short Sale a Home than it is to get a Loan Modification from the banks.

How can A Short Sale Today Brighten your Financial Future?

• No out of pocket expenses or costs to you in most cases
• In some cases there will be relocation assistance available to you
• Improved Marketing Times & Quicker Approvals
• Can work even if you never missed a payment
• Potentially less of an effect on your credit than most sellers believe
• May be able to purchase another home in less than 24 months
• You may qualify for relocation assistance through the governments’ HAFA program or specific bank programs

Most folks are beginning to consider this option more often because it allows them to get out from under the huge debt of a property that will take many years to regain its value.

With a short sale, a person can rent for approximately the next 2 years and then re-buy a similar home down the street for the current market value and pay a lot less in payments each month. Over the next 10-15 year period, the financial gains can exceed hundreds of thousands of dollars.

Know that you have support!
We provide you with this FREE report to explain the Short Sale process  and help you decide if this course of action is best for you.  In this troubled time, it is vital for you to have all the necessary facts to make an informed decision. Click Here and send me an email to request a copy.

If you would like to know more about your options, please call me anytime at 916-719-6161 or to see if you qualify for a short sale and we will be happy to meet with you to discuss your options.