rigley

Hi I am Mike Rigley, your certified default advocate, distressed home expert and short sale specialist for the Northern California area. Welcome to our video blog; as default advocates and short sale specialists we want homeowners to be aware of their alternatives. Whether you are in default on your mortgage, possibly facing foreclosure or just owe more than what your home is worth, we’re here to serve you even if you do not reside in the Northern California area.

Today I received a call from a distressed homeowner. He attempted to do a short sale, but the short sale was declined because he owed $35,000 to the California Franchise Tax Board. Let me explain. The short sale was approved by the lender and investor, but the tax lien had to be removed from title before the escrow could close. His previous agent saw the tax lien and told him the short sale couldn’t be closed. This could not be further from the truth. Both the California Franchise Tax Board and the IRS understand the importance of doing a short sale on this underwater house; as long as there’s a lien on this home, this can’t happen. On more than one occasion, we have successfully had the IRS and the California Franchise Tax Board release the lien so we could get the short sale settled. However, the tax lien just does not go away. The property owner is still liable for unpaid taxes, but at least we were able to short sell his property and keep him from having to deal with foreclosure.

If you have questions about your particular situation, please give me a call to schedule your own free, confidential consultation. Rigley Real Estate Group can give you the information and tools that you desire to avoid foreclosure and successfully short sell your house in the Northern California area. I look forward to assisting you.

For more information on short sales and how to avoid foreclosure, visit the Rigley Realty Group blog or you can also try out their short sale decision calculator and get started today.

Post from: New Home Apartment

We Can Get Your Short Sale Completed, Even If You Have A Tax Lien

my first short sale

Hello everyone my name is Fred Weaver and I am the co-founder of the nations leading short sale staff, Group 4610. My partner Kevin Kaufmann and I are devoted to helping Arizona owners keep away from foreclosures and I use my weblog to offer updated information on that very topic. If you’re presently behind on your mortgage, or already considering a short sale, please browse my website for extra info or contact me directly in order to talk about your options.

For my weblog as we speak I wanted to discuss completing a short sale on a rental property in the state of Arizona. You might be dealing with a scenario where it no longer makes sense to proceed renting a property given the drop in Arizona home prices. This generally is a tough conversation to have with a tenant, or tenants, but could also be obligatory if selling the house makes business sense. I have a variety of expertise working on this kind of short sale and have the sources that will help you through the process. I can even provide helpful forms and scripts to make use of when talking with tenants of an investment property. I may help guide you through this process each step of the way thanks to my previous experience with rental property short sales.

When you have any questions on the short sale process, or would like to get started, please take a minute to stop by my website or give me a call to discuss your options today. Even if a short sale is not right for you I want to make it easier to make the best real estate choice possible. On my web site you’ll find an ideal new tool referred to as the Short Or Stay Calculator that will provide you with a big picture idea of when your property may be an asset again. Thank you for your time and I hope to hear from you soon at Arizona’s leading short sale crew, Group 4610.

For more information on short sales and how to avoid foreclosure, visit the Group 46:10 blog or you can also contact the Group 46:10 team and get started today.

Post from: New Home Apartment

If You Need To Short Sale A Rental Property Be Ready For Everything

polston

Hi there, I’m Shawn Polston with TucsonShortSales.com, certainly one of Tucson’s prime short sale teams. I wished to speak to you at present about strolling away out of your mortgage. It’s not unusual that I run into clients which are under the impression that there’s a choice that needs to be made between completing a short sale and walking away from your mortgage. There is actually this perception on the market that should you try a short sale which you can’t walk away from a mortgage and nothing could be further from the truth. Most often your lender even when we go to your lender with a short sale, foreclosure is off within the distance. That is true if for any reason these payments not being made, which when somebody is strolling away from a mortgage they are more than likely not making payments.

The lender is going to be working that process at the similar time the short sale process is going. So, in the event you’re walking away, the concept you’re trying a short sale will somehow cease that strategy of walking away or cause you to not have that option, it is just simply not the case.

It’s extremely uncommon that I run right into a situation where somebody has decided to walk away, they come to me, and it’s totally uncommon that they shouldn’t at the very least try a short sale. It is better for the credit score, you avoid having a foreclosure on your credit report and ultimately what I’ve run into is there’s a notion that the lender is going to drive them to do one thing that strolling away that they will avoid. That is simply not the case. In case your lender comes back and does not approve your short sale and make some request of you that is just something you are not prepared to do, we just inform them no. Normally the lender will back off. In a whole lot of circumstances the lender would not make requests. So it isn’t even a conversation we have to have with them.

I just wanted to get it on the market that it could be a very uncommon scenario where there is anything hurt by trying the short sale when you’re in that situation. I know you will have different questions and within my web site I have several different videos which may assist you.

Among the best issues I can do for you if you’re in this state of affairs is meet with you and talk about your situation. Then you’ll be able to decide from there if it’s one thing you want to pursue. We pass no judgment, if someone decides they want to walk away from their home; we’ll respect that and understand that. Once more, I’m Shawn Polston with TucsonShortSales.com, certainly one of Tucson’s premiere short sale teams. If you happen to decide to go with a short sale, we’re the most effective in the business and we’re right here to help you. I respect your time, thanks a lot.

For more information on short sales and how to avoid foreclosure, visit the Tucson Short Sale Negotiator blog or you can also try out Shawn’s Short Sale Calculator to see when your home with have equity again.

Post from: New Home Apartment

Is It Ever A Good Idea To Walk Away From Your Mortgage Or Are There Other Choices?

rigley

Hello, I am Mike Rigley, an authorized default advocate, distressed property expert and California’s short sale specialist. Welcome to our video blog. As default advocates and short sale specialists, we would like householders to know all of their options. Whether or not you might be behind in your payments, possibly going through foreclosure, or perhaps you simply owe more than your private home is worth, we are here to help.

Today we are going to talk about the Keep Your Home California Program. It’s a 2 billion dollar state run program designed to help low to moderate revenue householders in distress. fifty five of the biggest servicers representing 90% of the mortgages in California at the moment are participating on this program. Thus far, more than 10,000 householders have either obtained funding or are within the process of getting monetary help from the Keep Your Home California Program.

Bank of America, Wells Fargo, Chase, GMAC, Citi Mortgage and EMC Mortgage are a few of the collaborating servicers. These essential applications embrace the unemployment mortgage assistance program. This provides as much as $3,000 monthly for householders collecting unemployment benefits which can be in eminent danger of defaulting on their house loan. The mortgage reinstatement assistance program provides as much as $20,000 per family to reinstate mortgages to prevent foreclosure. These funds are available to owners who have fallen behind on their mortgage payments because of a short lived change in household income. The principle reduction program lowers the principle owed by a mortgager by as much as $50,000 up to $100,000. The transition assistance program provides up to $5,000 in relocation help for householders who can no longer afford their house when their lender agrees to a short sale or deed in lieu of foreclosure.

Keep Your Home California is geared toward serving to low and moderate revenue homeowners who are struggling with their mortgage funds within the worst real estate crisis in generations. The packages are limited to owners who meet quite a lot of criteria. For an entire description of the applications and to search out out if your lender is taking part in these applications or to see in the event you qualify call 1-888-317-9376 for a free consultation.

It’s vital to us that you just look at all of your options. Call me today, sleep better tonight, you may be glad you did. Once more, I’m Mike Rigley, California’s short sale specialist, and I’m right here to help. Thanks and we’ll see you soon.

Post from: New Home Apartment

Information On The Keep Your Home California Packages

Many reasons exist why householders are going through financial difficulties and some of them are: divorce, economic depression, disease, etc. This may be the key reason why some has not been qualified to handle with their installments.

So, do you think a short sale will save you with your matter? There may be advantages and disadvantages when participating in this process and a adequate information must be put into awareness. The following are some simple considerations when doing the short sale.

One of the main points that can be valuable if you do short sales in buckhead georgia is your credit report aren’t going to be dramatically injured in comparison with foreclosure in which you can be prepared to bring back very easily. One more thing is that it can be very ideally suited to most home buyers since dreaming to acquire their own home is within reach basically because they find it budget friendly.

On the contrary, you will have to make an effort to seek for a potential purchaser since the majority of house seekers currently immediately would like to purchase a house. In the case of short sale, even though it sounds low-cost, the method can take A few months or more before the buyer can ultimately possess his ideal home.

Remember, you will need to examine the situation regarding this process so that you can have a more intelligent conclusion to make. Getting yourself into buckhead georgia short sales might be satisfying and will be your saving grace if you’re informed enough to complete the task. For you to make sure that the process may go smoothly, choosing a real estate agent will be the solution.

Post from: New Home Apartment

Short Sales 101: Knowing The Issue

maul

Hello everyone and welcome back to Tucson Short Sale with Long Realty Company. My name is Gregg Maul and I am dedicated to helping Tucson area householders avoid foreclosures and use my weblog to offer valuable data on that very topic. In case you are behind on your mortgage, or already contemplating a short sale, please browse my website or even more information or contact me directly to discuss your options.

For my weblog today I wanted to discuss an vital a part of the short sale process from the householders perspective and that’s what paperwork will I need. A short sale in Arizona would require lots of paperwork to submit to your financial institution and you will need to know what is needed for your short sale file to be submitted. Every financial institution is completely different on the subject of paperwork so it is very important know what your particular lenders desires from you. That data will be simply found on my website or by contacting your bank directly. A number of the extra common documents required might be your last {two} pay stubs along along with your last {two} years of tax returns. In case you are still earning a wage through the short sale process this information will have to be up to date on a monthly basis. In Arizona your lender may also ask for a monthly expense statement to be able to get a greater understanding of your month-to-month bills. Most significantly your lender will want a letter of hardship from you explaining why a short sale should be completed.

Having the precise paperwork could make your short sale a a lot easier process and get you our from beneath your distressed property even quicker. When you reside in the Tucson area and are contemplating a short sale please give me a call as we speak and we are able to organize your short sale file together. This is Gregg Maul with Tucson Short Sale and Long Realty Company, thanks for your time and have a great day.

For more information on short sales and how to avoid foreclosure, visit the Gregg Maul’s blog or you can also check out Gregg’s Short Sale Calculator to see a short sale is right for you. Get started today.

Post from: New Home Apartment

What Paperwork Will I Need In Order To Complete My Short Sale

cook

Hello everybody, my name is Kelly Cook with the KC Real Estate Group, your Arizona short sale specialist. We will be found on-line at www.azkcrealestategroup.com. We focus on helping valley owners throughout the whole greater Phoenix, Arizona area discover alternatives to foreclosure through the process that we are discussing today of a short sale.

Now as we speak the subject we’re particularly addressing is the subject that I get a lot. Folks come to me saying they want to do a short sale, they’re underwater and want to get out from underneath it, however they haven’t any money with the intention to accomplish a short sale. Well, that is just one of many many advantages of doing a short sale. It doesn’t cost you a dime. Our fee is paid by means of the banks net proceeds so our payment is negotiated with your lender and we don’t get paid until your short sale is closed successfully.

So, please do not worry about having to make any payments on a short sale since you owe us nothing; our service is free to you. We are compensated by way of your lender after the short sale closes.

So again, my name is Kelly Cook with the KC Real Estate Group, your Arizona short sale specialist. Please feel free to contact us online right here on our website on the contact us form. You may also email us at info@KellyCookhomes.com, and if you wish to call us we are available 24 hours a day, 7 days a week. Our number is 480-227-2028. We look forward to talking with you soon and talking about your specific state of affairs to see how we will help you.

For more information on short sales and how to avoid foreclosure, visit the Kelly Cook Real Estate blog or you can also contact the Kelly Cook Team and get started today.

Post from: New Home Apartment

Is It Possible To Short Sale Your House Without Any Cash?

cook

Hello everybody, my name is Kelly Cook with the KC Real Estate Group, Arizona’s short sale specialists. We focus on assissting valley householders throughout the entire Phoenix area short sale their properties while discovering options to foreclosure. We can also be found on-line at www.azkcrealestategroup.com.

Now the topic we’re addressing today specifically is do we cope with Chase Bank on short sales? The reply to that question is a profound yes. We do a whole lot of business with Chase and have helped numerous valley householders’ short sale their properties when they have Chase loans. We cope with each sort of mortgage construction with Chase from clients who only had one loan to clients who had two loans with Chase. We’ve been very profitable negotiating the very best dollar amount doable from the primary mortgage with Chase to go to the second mortgage whether it’s a home mortgage amortized second or a HELOC. Now Chase does have a separate HELOC division that we’ve been very profitable with and have established some good relationships and contacts with that department as well.

Now Chase sort of follows the old fashioned manner of doing business by printing and faxing documents into them which could be kind of cumbersome, but that is the way they do it, so that is what we do for our clients. We’ve established some great relationships with Chase through the years from the negotiators to the mortgage processors to the work out specialists.

So you probably have a Chase short sale right now, please don’t hesitate and provides us a call today. Once more, I am Kelly Cook with the KC Real Estate Group, considered one of Arizona’s main short sale specialists and we will put our contacts and our experience to work for you. You can contact us on the form here on the web site; you may as well e-mail us at data@kellycookhomes.com or just give us a call at 480-227-2028. I hope you loved the video today and we look ahead to seeing you on the following one. Take care, goodbye.

For more information on short sales and how to avoid foreclosure, visit the Kelly Cook Real Estate blog or you can also contact the Kelly Cook Team and get started today.

Post from: New Home Apartment

Should I Choose A Chase Short Sale Over A Foreclosure?

pickett

Hey there this is Jesse and Dennis from Pickett Street Properties. We run one of Seattle’s leading short sale teams. At present we wish to speak about how profitable short sales are potential and we now have had a couple of successes lately.

It is tough to celebrate a short sale closing, but most individuals are usually happy because it can be seen as a great thing. They’re finally capable of move on and ultimately purchase a brand new residence in about years after completing a short sale and generally even sooner. One way to have a look at it’s a short sale is a time when every thing starts over.

With our latest successes, our capability to get short sales closed is improving even more. We just lately closed a short sale that initially had a 4 position lien; it was a post-bankruptcy short sale and was listed right around the first of the year. We had been in a position to get the short sale closed by the middle of March.

In this case the client really ended up covering the whole water lien and they covered the HOA lien. In today’s market it may be troublesome to get the buyers to cover these liens. It’s primarily about pricing the home appropriately. Figuring out that the house had some challenges, I priced it at the bottom of the market, but at a value I could justify however low enough that the buyer might see the value.

We close about 10 to fifteen short sale transactions every month, and we’re operating on a higher level and I think that provides our sellers lots of confidence that we are able to see them through this process. If in case you have any questions about the short sale process, please give us a call. We would be glad to meet with you and talk about your situation. Once more, we are with Pickett Street Properties, considered one of Seattle’s leading short sale groups and we’re right here to help. Thanks lots and we hope to hear from you soon.

For more information on short sales and how to avoid foreclosure, visit the Pickett Street Properties blog or you can also contact Pickett Street and get started today.

Post from: New Home Apartment

Never Underestimate The Possibility Of A Successful Short Sale

peek

Hi, I’m Mark Peek with Keller Williams Real Estate, your Roseville and Sacramento short sale specialists. At present’s subject is Nationstar. Have you had your mortgage transferred over to Nationstar? Nationstar has taken on a lot of the servicing rights for lots of the Fannie Mae loans recently.

So in case you are thinking about potentially discussing a short sale and you’ve got a Nationstar mortgage, we should undoubtedly talk. In case you’re all for a short sale in any respect, one of many issues that I really needed to point out to you is the calculator that’s on my website. It’s the short or stay calculator and what occurs is in case you enter in your information you may get a detailed report to learn how long it will take you to break even on your mortgage. How long is it going to take for you to simply break even in this deal?

A lot of people are interested by their houses as a business decision. If they are upside down $150,000 to $200,000, how many years is it going to take to get back? Does it make more enterprise sense to truly go forward and complete a short sale? It is a great tool and resource that provides nice information that will help you make one of the best choice for your loved ones and your situation.

If you have any questions, you can hit the start here button and I would be completely happy to follow up with you. Once more, I’m Mark Peek with Keller Williams, your Roseville and Sacramento short sale specialist and I am right here to help. Thank you very much.

For more information on short sales and how to avoid foreclosure, visit the Short Sale Specialist blog or you can also contact the Mark Peek team and get started today.

Post from: New Home Apartment

Nationstar Short Sale Information From A California Nationstar Short Sale Specialist