Realtors (22)

The Power of a Comparative Market Analysis When Selling Your Home

Most of the general public has access to various price lists when trying to sell an object. Online automobile databases offer average prices for used cars, auction sites can list recent sale of various electronics and even boats have a value listing guide. However, when selling a home it is better to get a comparative market analysis (CMA) from a local real estate agent or Realtor®. Here are some of the ways a CMA can help you.

Dollar-House-300x300.jpg?width=300
photo credit: nikcname via photopin cc

Price Trends

The most obvious benefit is the ability to see current price trends. The CMA report will list out homes that have sold in the past 12 months in your immediate area. By organizing the transactions by date it is possible to see if home prices are on the rise or falling.

Value Placed on Square Footage

Since the homes will be listed with the square footage of each home sold, potential sellers can find out how much their home is worth based on the usable square feet in the property. In addition, if any of the sold properties had a basement or attic that was finished then sellers can also determine how the market values additional square footage. While it is common for basements to have a slightly lower price per square foot some areas may place it higher than others due to demand.

Value of Accessory Items

Most people usually feel that particular features of their home will bring more value to their home than the market will warrant. For example, expensive hardwood floors, custom paint finishes and high end bathroom fixtures may be quite expensive when purchased but their overall impact on the price of a home is not as high. Instead, things that improve usable square footage, more lighting or outdoor items like pools and decks will do more to bring up the price of a home.

Expected Time of Sale

A comparative market analysis will also show when a home was listed for sale and when an offer was made on the property. This gives prospective sellers a realistic expectation for how long it will take before receiving an offer and how long it takes for the home to actually sell once the offer is accepted.

Avoiding Unrealistic Prices

Along with homes that have sold your real estate agent can also provide a list of homes that either withdrew from the market or the listing simply expired. If the home did not sell within a time period that multiple other properties sold then there are a couple of explanations. Obviously, the most common issue is the price was too high for that particular market. Another common problem is the presence of a major repair issue with the home that the seller is unwilling to fix prior to sale. Having this information should help you do a better job of picking a price for your home.

Getting a detailed CMA report from your real estate agent will provide you with the best source of realistic information to help you decide if your can sell your home for your anticipated price and if it might sell in the amount of time you had hoped for.

Original Blog Post: What's a CMA? Comparative Market Analysis

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Realtors in Beaumont

Beaumont, California Short Sale REALTORS - Helping People with the Short Sale Process

Are you under-water on your Beaumont, California home? Have you experienced a hardship that has made paying your mortgage difficult or impossible? We can help you. Whether you occupy the home, its vacant or a rental, we have helped many Beaumont homeowners and other Southern California residents short sale their homes and avoid foreclosure.

WE ARE BEAUMONT CA SHORT SALE REALTORS

Here's a quick summary of who we are:

  • We have lived and worked in Beaumont, California since 2007/2008, and have been helping Beaumont homeowners sell their distressed homes since the market crash.
  • We specialize in short sales! We've helped many homeowners negotiate with banks and lenders. We've worked with all the major banks, and most of the small ones too. WE KNOW THE SHORT SALE PROCESS AND WE KNOW WHAT WE ARE DOING.
  • We are a husband and wife team, and we are full service short sale agents. We handle all aspects of the short sale process from beginning to closing. And we never, EVER charge you a dime for our short sale services.

As of this post its July 2016. Yes, the market has recovered, but not all Beaumont homes have regained their purchase value! If you're still struggling to maintain that under-water home, call us and let's discuss your options:

Todd & Devona Garrigus

Garrigus Real Estate Group/HomeSmart Professionals

(951) 490-3683

Check out our Short Sale Formula

Beaumont CA Short Sale REALTORS

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We would like to introduce you to our home buyer specialist, Eric Engels, Realtor® | Real Estate Agent serving the Janesville, Wisconsin area!

Eric-Engels-240x300.jpg?width=240"Hello Rock County! I am very happy to have joined the Rock Realty team. I have been a resident of Janesville for over 13 years. I lived in the Quad Cites before that living in both Illinois and Iowa. In 2006 I had the chance to move back to the Quad Cites, I thought about it for about 2 seconds, but Wisconsin is the best place to live I couldn't leave. I am a big fan of the Midwest way of living! I am very excited to meet some of the great people in Rock County, and to help them in there home buying and selling needs."

"At Rock Realty we use the newest and most innovative technology to help us in our advertising and researching needs. Please feel free to call or e-mail me with any questions you may have. Again I look forward to meeting the great people of Rock County."

Thanks

Eric Engels

Visit my site to search for Janesville, WI Real Estate Listings:

www.JanesvilleListings.com
(Homes for sale in 53545, 53546 and 53548 and the rest of Dane & Rock County)

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Short Sale Real Estate Agents in Dunkirk, WI 53589 



Michael-Collins-Short-Sale-Realtor-e1357917218894.jpg?width=200Are you looking for a Dunkirk Wisconsin Short Sale Realtor® or real estate agent? Rock Realty is a real estate brokerage that specializes in Short Sales and Bank Owned Foreclosures in the Dunkirk WI area.
 
My name is Michael Collins, broker for Rock Realty. I have completed the Short Sales and Foreclosure Resource training and have been given the SFR designation through the National Association of Realtors®. Feel free to contact me directly at 608-921-8536 for help with any of your short sale questions. I have helped many home owners with their distressed property needs.

REALTORS® who have earned the SFR certification know how to help sellers maneuver the complexities of short sales as well as help buyers pursue short sale and foreclosure opportunities. The certification program includes training on how to qualify sellers for short sales, negotiate with lenders, protect buyers, and limit risk.

A Certified Distressed Property Expert® (CDPE) is a real estate professional with specific understanding of the complex issues confronting the real estate industry. Through comprehensive training and experience, CDPEs are able to provide solutions for homeowners facing hardships in today's market.

What is a Short Sale?
A short sale occurs when a lender agrees to take less than the amount owed to payoff a loan as an alternative to foreclosure. Lenders know that it will cost them a significant amount of money to take a property back. The Realtors® at Rock Realty can often convince them that they will be better off financially if they sell the property now rather than taking the home through foreclosure and trying to sell it later. So, a short sale can actually be good for the bank. It can also be good for the home owner, as it is typically better to perform a short sale on their Dunkirk property instead of letting it proceed to foreclosure.

If you are considering the possibility of a short sale for your Dunkirk Wisconsin home and have further questions, feel free to visit the information page below.

Wisconsin Short Sale Information

Is a Short Sale right for My Home?

 

Additional Short Sale Information

 

Rock Realty SOLD Short Sale Listings

514 S Jackson St, Janesville WI | 900 King Street, Stoughton WI

105 W Main St, Brooklyn WI | 408 S Academy Street, Janesville WI

449 Farnham St #2, Marshall WI | 1117 Ontario Dr, Janesville WI

4602 N Katherine Dr, Janesville WI   

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Cottage Grove Short Sale Homes

4534 Vilas Rd, Cottage Grove, WI 53718 - $179,000

Three Bedroom Short Sale Ranch on Large Rural Lot

Wonderful rural property with country view out front window. Large living room, formal dining room and original hardwood floors. Newer tile in bathroom with updates. Don't miss out on a great deal. Short Sale. All offers subject to seller's bank approval.

SCWMLS1704072

Property Highlights

  • 2 Car Garage
  • Large Rural Lot
  • Ranch
  • Fireplace
  • First Floor Bedroom
  • Short Sale Opportunity

Cottage Grove Short Sale Realtor

Features

  • Bedrooms: 3
  • Bathrooms: 1
  • Home Size: 1608 sq.ft.
  • Garage: 2
  • Lot Size: .42 Acres
  • County: Dane
  • Property Type: Single Family Home

Click here for additional homes for sale in Cottage Grove: Cottage Grove Wisconsin Homes for Sale

4534VilasRd

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Short Sale Real Estate Agents in Pleasant Springs, WI 53589 


Michael-Collins-Short-Sale-Realtor-e1357917218894.jpg?width=200Are you looking for a Pleasant Springs Wisconsin Short Sale Realtor® or real estate agent? Rock Realty is a real estate brokerage that specializes in Short Sales and Bank Owned Foreclosures in the Pleasant Springs WI area.
 
My name is Michael Collins, broker for Rock Realty. I have completed the Short Sales and Foreclosure Resource training and have been given the SFR designation through the National Association of Realtors®. Feel free to contact me directly at 608-921-8536 for help with any of your short sale questions. I have helped many home owners with their distressed property needs.

REALTORS® who have earned the SFR certification know how to help sellers maneuver the complexities of short sales as well as help buyers pursue short sale and foreclosure opportunities. The certification program includes training on how to qualify sellers for short sales, negotiate with lenders, protect buyers, and limit risk. 

A Certified Distressed Property Expert® (CDPE) is a real estate professional with specific understanding of the complex issues confronting the real estate industry. Through comprehensive training and experience, CDPEs are able to provide solutions for homeowners facing hardships in today's market.
 

What is a Short Sale?
 A short sale occurs when a lender agrees to take less than the amount owed to payoff a loan as an alternative to foreclosure. Lenders know that it will cost them a significant amount of money to take a property back. The Realtors® at Rock Realty can often convince them that they will be better off financially if they sell the property now rather than taking the home through foreclosure and trying to sell it later. So, a short sale can actually be good for the bank. It can also be good for the home owner, as it is typically better to perform a short sale on their Pleasant Springs property instead of letting it proceed to foreclosure. If you are considering the possibility of a short sale for your Pleasant Springs Wisconsin home and have further questions, feel free to visit the information page below. 

Wisconsin Short Sale Information

Is a Short Sale right for My Home?

Additional Short Sale Information

Rock Realty SOLD Short Sale Listings

514 S Jackson St, Janesville WI | 900 King Street, Stoughton WI 105 W Main St, Brooklyn WI | 408 S Academy Street, Janesville WI 449 Farnham St #2, Marshall WI | 1117 Ontario Dr, Janesville WI 4602 N Katherine Dr, Janesville WI  

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Short Sale Real Estate Agents in Madison, WI



Michael-Collins-Short-Sale-Realtor-e1357917218894.jpg?width=200Are you looking for a Madison Wisconsin Short Sale Realtor® or real estate agent? Rock Realty is a real estate brokerage that specializes in Short Sales and Bank Owned Foreclosures in the Madison WI area. We have helped home owners in both Rock County and Dane County, from Beloit to Lodi.
 
My name is Michael Collins, broker for Rock Realty. I have completed the Short Sales and Foreclosure Resource training and have been given the SFR designation through the National Association of Realtors® (NAR). Feel free to contact me directly at 608-921-8536 for help with any of your short sale home questions. I have helped many Madison home owners with their distressed property needs and consider myself a Wisconsin Short Sale Specialist.

REALTORS® who have earned the SFR certification know how to help sellers maneuver the complexities of short sales as well as help buyers pursue short sale and foreclosure opportunities. The certification program includes training on how to qualify sellers for short sales, negotiate with lenders, protect buyers, and limit risk.

What is a Short Sale?

A short sale occurs when a lender agrees to take less than the amount owed to payoff a loan as an alternative to foreclosure. Lenders know that it will cost them a significant amount of money to take a property back. The Real Estate Agents at Rock Realty can often convince them that they will be better off financially if they sell the property now rather than taking the home through foreclosure and trying to sell it later. So, a short sale can actually be good for the bank. It can also be good for the home owner, as it is typically better to perform a short sale on their Madison property instead of letting it proceed to foreclosure.

If you are considering the possibility of a short sale for your Madison Wisconsin home and have further questions, feel free to visit the information page below.

Wisconsin Short Sale Information

Is a Short Sale right for My Home?

Additional Short Sale Information

Rock Realty SOLD Short Sale Listings

514 S Jackson St, Janesville WI | 900 King Street, Stoughton WI

105 W Main St, Brooklyn WI | 408 S Academy Street, Janesville WI

449 Farnham St #2, Marshall WI | 1117 Ontario Dr, Janesville WI

4602 N Katherine Dr, Janesville WI    

Zip Codes:
53701 53702 53703 53704 53705 53706 53707 53708 53711
53713 53714 53715 53716 53717 53718 53719 53725 53726
53744 53774 53777 53778 53779 53782 53783 53784 53785
53786 53788 53789 53790 53791 53792 53793 53794 

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REAL ESTATE SHORT SALE FORMULA

(Read this article first, then click on the link above)

Do I Qualify for a Real Estate Short Sale in Lake Elsinore CA?

So you're considering a real estate short sale for your Lake Elsinore, California Home…..

Either you are near default or have already missed mortgage payments, and you are undoubtedly under-water on what you owe on the Lake Elsinore home compared to what it is currently worth.

We see this every day from people of all aspects of life and economic backgrounds. We know it's a difficult and daunting position to be in. We know there is so much information out there that its difficult to decipher what is correct, and what isn't.... and who to trust.

We also know its embarrassing. We've been in similar situations ourselves, and we'd like to discreetly help you avoid foreclosure and get out from that upside-down Lake Elsinore CA house now, at no charge to you. In fact, if your circumstances are right, we may be able to get you up to $30,000 in the process.

Who Are We and Are We For Real?

We ARE for real, and we are licensed, legal and ligitimate. Our real estate license numbers are 01844441, and 01844442. Take these numbers and go to the California Department of Real Estate's website here, click on Verify a License, and check our license numbers for validity. We work for Coldwell Banker Kivett-Teeters, a highly respected real estate brokerage that's been in business for decades. We handle 20 to 30 Short Sale Listings and Sales per month, and yes we successfully close 95% plus of our short sales! We are for real, and we work hard for our clients... Let us work hard for you...

So let's talk...

Call Us Now: (888) 9-List-It.

That's (888) 954-7848.

Or Check out our website here ---> California Short Sale Agents

 

How to Qualify For a Real Estate Short Sale - Lake Elsinore CA

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HOW TO SELL YOUR HOUSE IN HIGHLAND CALIFORNIA – HIGHLAND CA REALTORS

 

Q: What goes into a successful home or property sale in Highland, California?HIGHLAND CA REAL ESTATE

A home sale can be simple, difficult or unsuccessful depending on the property, seller or agent. Careful consideration must be given when venturing into the competitive Highland CA real estate market.

A successful sale consists of a compelling listing, effective exposure and competent negotiations and completion.

When a Highland home is listed, it should first be analyzed and objectively compared to recent comparable sales and other competitive listings in the area, also known as a CMA (Comparative Market Analysis).

Then the seller, under the advice of their savvy Realtor, should carefully digest and consider the CMA. Every detail must be exhausted. Does the seller’s Highland California property have the same features and amenities? Is the property worth more, less or equal to other comparable sales? Is the location, lot position or structure more, or less appealing? A seller must also consider the terms, conditions, inclusions and exclusions of the sale.

But a potent market value and list price is just the beginning. When the Highland CA property listing is ready to go public, exposure is everything.

 

Q: What is effective exposure for a Highland real estate listing?

How can anyone buy your Highland California house if no one knows it’s for sale?

A home will only realize it full market value in a sale if multiple potential buyers have been reached.

How is that accomplished? Real estate marketing has changed dramatically with the advent of the Internet. Gone are the days of yard signs, newspaper listings and open houses. Today more than 85% of homebuyers begin their property search online.

But where online are they looking? The short answer is ‘Everywhere’. From major sites like Zillow, Trulia and Redfin, website search engines like Google, Yahoo and Bing, email listing sources from agents, brokers and other real estate services, to Craigslist and even direct online MLS (Multiple Listing Services).

So where is the best place to list your Highland CA property online? Again, the only right answer is ‘Everywhere’.

But does online marketing mean traditional marketing should be ignored? Of course not. But the evolution of real estate marketing should dictate the appropriate allocation of time and resources.

 

Q: Then What?

Once your Highland home has been effectively marketed, buyers will view the property and determine, along with their agents, what their best offer is. Choosing the right buyer is key: Have they offered a fair price and reasonable conditions? Are they capable of executing the purchase and do they have the means, money and/or credit? Are they truly interested in the property? These and other questions must be asked and answered.

After all of this, the sale of your Highland California property is still not complete. Escrow must be opened. Disclosures must be addressed and signed. Contingencies must be met and waived. And finally, funds must be deposited and dispersed.

 

Q: So what is the first step to a successful sale of your home or Highland CA property?

Choose the right Highland real estate agent.

 

So call us now and let’s talk.

Call Now: (888) 9 LIST-IT. Or just dial 888-954-7848.

You can also email us at: GarrigusRealEstate@yahoo.com

 

 

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REAL ESTATE SHORT SALE FORMULA

(Read this article first, then click on the link above)

Do I Qualify for a Real Estate Short Sale in Moreno Valley CA?

So you're considering a real estate short sale for your Moreno Valley, California Home…..

Either you are near default or have already missed mortgage payments, and you are undoubtedly under-water on what you owe on the Moreno Valley home compared to what it is currently worth.

We see this every day from people of all aspects of life and economic backgrounds. We know it's a difficult and daunting position to be in. We know there is so much information out there that its difficult to decipher what is correct, and what isn't.... and who to trust.

We also know its embarrassing. We've been in similar situations ourselves, and we'd like to discreetly help you avoid foreclosure and get out from that upside-down Moreno Valley CA house now, at no charge to you. In fact, if your circumstances are right, we may be able to get you up to $30,000 in the process.

Who Are We and Are We For Real?

We ARE for real, and we are licensed, legal and ligitimate. Our real estate license numbers are 01844441, and 01844442. Take these numbers and go to the California Department of Real Estate's website here, click on Verify a License, and check our license numbers for validity. We work for Coldwell Banker Kivett-Teeters, a highly respected real estate brokerage that's been in business for decades. We handle 20 to 30 Short Sale Listings and Sales per month, and yes we successfully close 95% plus of our short sales! We are for real, and we work hard for our clients... Let us work hard for you...

So let's talk...

Call Us Now: (888) 9-List-It.

That's (888) 954-7848.

Or Check out our website here ---> California Short Sale Agents

 

How to Qualify For a Real Estate Short Sale - Moreno Valley CA

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REAL ESTATE SHORT SALE FORMULA

(Read this article first, then click on the link above)

Do I Qualify for a Real Estate Short Sale in Beaumont CA?

So you're considering a real estate short sale for your Beaumont, California Home…..

Either you are near default or have already missed mortgage payments, and you are undoubtedly under-water on what you owe on the Beaumont home compared to what it is currently worth.

We see this every day from people of all aspects of life and economic backgrounds. We know it's a difficult and daunting position to be in. We know there is so much information out there that its difficult to decipher what is correct, and what isn't.... and who to trust.

We also know its embarrassing. We've been in similar situations ourselves, and we'd like to discreetly help you avoid foreclosure and get out from that upside-down Beaumont CA house now, at no charge to you. In fact, if your circumstances are right, we may be able to get you up to $30,000 in the process.

Who Are We and Are We For Real?

We ARE for real, and we are licensed, legal and ligitimate. Our real estate license numbers are 01844441, and 01844442. Take these numbers and go to the California Department of Real Estate's website here, click on Verify a License, and check our license numbers for validity. We work for Coldwell Banker Kivett-Teeters, a highly respected real estate brokerage that's been in business for decades. We handle 20 to 30 Short Sale Listings and Sales per month, and yes we successfully close 95% plus of our short sales! We are for real, and we work hard for our clients... Let us work hard for you...

So let's talk...

Call Us Now: (888) 9-List-It.

That's (888) 954-7848.

Or Check out our website here ---> California Short Sale Agents

 

How to Qualify For a Real Estate Short Sale - Beaumont CA

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Short Sale Agents in Norco

Short Sale Agents in Norco CA arrange with mortgage lenders to agree to accept a mortgage payoff that falls short of the balance that is owed by a borrower. In other words, a bank agrees to accept less than what is owed on a borrower's mortgage. Foreclosure is avoided through the Norco CA short sale process, which is the primary goal so that the borrower's credit is not severely damaged as it would be through a foreclosure. If a foreclosure is imminent, a Norco CA short sale can help soften the blow.

A foreclosure can seriously affect an individual's credit and financial future. As a result, and because of the stress that the foreclosure process can cause, most Norco homeowners are willing to consider just about any alternative. When facing foreclosure, the worst thing that a Norco CA homeowner can do is nothing at all. By being proactive, a borrower can often find viable alternatives to foreclosure and a Norco CA short sale is one of the most popular and realistic options. For those who are facing the prospect of a foreclosure, a short sale might be the right option.

Norco California Real estate short sales can be complicated for everyone involved whether you're a seller, buyer, investor, agent or even a bank. Our Free Short Sale Help was designed to clear up the complicated world of Norco CA real estate short sales and make it possible for anyone who owes more on their mortgage than their Norco CA home is worth to find their way.

So call us now to find out more about Norco Short Sale Help:

Call Now: (888) 9-List-It.

That's (888) 954-7848.

---------------------

Norco CA REALTORS

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LAKE ELSINORE CA SHORT SALE REALTORS

Lake Elsinore CA Short Sales Made Easy…

You Pay Nothing For Our Lake Elsinore CA Real Estate REALTOR Services!

SHORT SELL THAT LAKE ELSINORE CA HOUSE NOW! CALL: 1 (888) 9 LIST-IT

-Is your Lake Elsinore CA house worth less than you owe?

-Having trouble paying your Lake Elsinore CA mortgage or are you already behind?

-Have an Adjustable Rate Mortgage, or a Negative Amortized Loan?

-Are you concerned about tax implications? -Do you have questions about how short sales work?

Many Lake Elsinore CA home owners are short selling their upside-down Lake Elsinore CA properties and so can you!

We are Certified Foreclosure & Short Sale Specialists and we can help you sell that upside-down Lake Elsinore CA House!

YOU PAY US NOTHING CALL NOW: 1 (888) 9-LIST-IT

Or email us at:

GarrigusRealEstate@yahoo.com

We also handle:

-Lake Elsinore CA Standard Sales

-Lake Elsinore CA Foreclosures

-Lake Elsinore CA Property Sales

-Lake Elsinore CA Home Buyers

 

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MURRIETA CA SHORT SALE REALTORS

Murrieta CA Short Sales Made Easy…

You Pay Nothing For Our Murrieta CA Real Estate REALTOR Services!

SHORT SELL THAT MURRIETA CA HOUSE NOW! CALL: 1 (888) 9 LIST-IT

-Is your Murrieta CA house worth less than you owe?

-Having trouble paying your Murrieta CA mortgage or are you already behind?

-Have an Adjustable Rate Mortgage, or a Negative Amortized Loan?

-Are you concerned about tax implications? -Do you have questions about how short sales work?

Many Murrieta CA home owners are short selling their upside-down Murrieta CA properties and so can you!

We are Certified Foreclosure & Short Sale Specialists and we can help you sell that upside-down Murrieta CA House!

YOU PAY US NOTHING CALL NOW: 1 (888) 9-LIST-IT

Or email us at:

GarrigusRealEstate@yahoo.com

We also handle:

-Murrieta CA Standard Sales

-Murrieta CA Foreclosures

-Murrieta CA Property Sales

-Murrieta CA Home Buyers

 

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GRAND TERRACE CA SHORT SALE REALTORS

Grand Terrace CA Short Sales Made Easy…

You Pay Nothing For Our Grand Terrace CA Real Estate REALTOR Services!

SHORT SELL THAT GRAND TERRACE CA HOUSE NOW! CALL: 1 (888) 9 LIST-IT

-Is your Grand Terrace CA house worth less than you owe?

-Having trouble paying your Grand Terrace CA mortgage or are you already behind?

-Have an Adjustable Rate Mortgage, or a Negative Amortized Loan?

-Are you concerned about tax implications? -Do you have questions about how short sales work?

Many Grand Terrace CA home owners are short selling their upside-down Grand Terrace CA properties and so can you!

We are Certified Foreclosure & Short Sale Specialists and we can help you sell that upside-down Grand Terrace CA House!

YOU PAY US NOTHING CALL NOW: 1 (888) 9-LIST-IT

Or email us at:

GarrigusRealEstate@yahoo.com

We also handle:

-Grand Terrace CA Standard Sales

-Grand Terrace CA Foreclosures

-Grand Terrace CA Property Sales

-Grand Terrace CA Home Buyers

 

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PALM DESERT REAL ESTATE REALTORS

PALM DESERT REAL ESTATE REALTORS / HOW TO SHORT SALE PALM DESERT HOME

If you need a Palm Desert Real Estate Agent / Palm Desert REALTOR to handle selling or buying your home remember these considerations when choosing us as your Palm Desert Real Estate professional:

  • We have extensive experience handling listings in this difficult market
  • We handle all aspects of Palm Desert listings and Palm Desert real estate sales
  • We handle Palm Desert Short Sales, Palm Desert Foreclosures and Palm Desert Land Sales
  • We have an unfair advantage in our marketing and advertising experience, enabling us to effective advertise your Palm Desert home for sale to as many buyers as possible, maximizing the total sales price.

----------------------

So contact us and let's get started!

Call us now: (888) 9-List-It.

That's (888) 954-7848.

Or click here to vist our website:

Palm Desert CA REALTORS

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REAL ESTATE SHORT SALE FORMULA

(Read this article first, then click on the link above)

Do I Qualify for a Real Estate Short Sale in Rancho Cucamonga CA?

So you're considering a real estate short sale for your Rancho Cucamonga, California Home…..

Either you are near default or have already missed mortgage payments, and you are undoubtedly under-water on what you owe on the Rancho Cucamonga home compared to what it is currently worth.

We see this every day from people of all aspects of life and economic backgrounds. We know it's a difficult and daunting position to be in. We know there is so much information out there that its difficult to decipher what is correct, and what isn't.... and who to trust.

We also know its embarrassing. We've been in similar situations ourselves, and we'd like to discreetly help you avoid foreclosure and get out from that upside-down Rancho Cucamonga CA house now, at no charge to you. In fact, if your circumstances are right, we may be able to get you up to $30,000 in the process.

Who Are We and Are We For Real?

We ARE for real, and we are licensed, legal and ligitimate. Our real estate license numbers are 01844441, and 01844442. Take these numbers and go to the California Department of Real Estate's website here, click on Verify a License, and check our license numbers for validity. We work for Coldwell Banker Kivett-Teeters, a highly respected real estate brokerage that's been in business for decades. We handle 20 to 30 Short Sale Listings and Sales per month, and yes we successfully close 95% plus of our short sales! We are for real, and we work hard for our clients... Let us work hard for you...

So let's talk...

Call Us Now: (888) 9-List-It.

That's (888) 954-7848.

Or Check out our website here ---> California Short Sale Agents

 

How to Qualify For a Real Estate Short Sale - Rancho Cucamonga CA

Read more…

REAL ESTATE SHORT SALE FORMULA

(Read this article first, then click on the link above)

Do I Qualify for a Real Estate Short Sale in Montclair CA?

So you're considering a real estate short sale for your Montclair, California Home…..

Either you are near default or have already missed mortgage payments, and you are undoubtedly under-water on what you owe on the Montclair home compared to what it is currently worth.

We see this every day from people of all aspects of life and economic backgrounds. We know it's a difficult and daunting position to be in. We know there is so much information out there that its difficult to decipher what is correct, and what isn't.... and who to trust.

We also know its embarrassing. We've been in similar situations ourselves, and we'd like to discreetly help you avoid foreclosure and get out from that upside-down Montclair CA house now, at no charge to you. In fact, if your circumstances are right, we may be able to get you up to $30,000 in the process.

Who Are We and Are We For Real?

We ARE for real, and we are licensed, legal and ligitimate. Our real estate license numbers are 01844441, and 01844442. Take these numbers and go to the California Department of Real Estate's website here, click on Verify a License, and check our license numbers for validity. We work for Coldwell Banker Kivett-Teeters, a highly respected real estate brokerage that's been in business for decades. We handle 20 to 30 Short Sale Listings and Sales per month, and yes we successfully close 95% plus of our short sales! We are for real, and we work hard for our clients... Let us work hard for you...

So let's talk...

Call Us Now: (888) 9-List-It.

That's (888) 954-7848.

Or Check out our website here ---> California Short Sale Agents

 

How to Qualify For a Real Estate Short Sale - Montclair CA

Read more…

What Are Raleigh Short Sales?

Completing short sales in Raleigh NC is one of the most difficult transactions in all of Raleigh real estate. It is important to know that the company and team you hire to complete this process for you have expertise in this area.

We find it beneficial to make sure our clients know what is going to happen throughout the process.

Below are the most common questions that have been asked by our clients. If you are speaking with others and they can't answer the questions below, we recommend seeking another opinion.

What are Raleigh Short Sales?

A short sale in Raleigh is selling a property for less than is owned on the property. For example:

Loan Amount: $250,000
Market Value of Real Estate: $200,000

In the above example, the property is upside down a minimum of $50,000. In order to get the bank to accept an offer at $200,000, a team of experts who specialize in negotiations with banks and marketing short sale properties to the real estate community are needed.

Common Questions

How long does it take to complete short sales in Raleigh NC?
Banks can take up to 60 days to give an official approval of an offer once it is received. This process can be improved by communication with the bank by your representation. Open and consistent communication is what improves the process.
Ensuring that the required paperwork by the bank is correctly filled out increases acceptance by over 45%. Some banks will destroy an application that is even off by one item. Our team ensures that your paperwork is completely filled out the first time so you have the greatest chance at acceptance.

How long do I have until I have to move out?
The bank is required to let you know when they have filed the notice of default with the county recorders office for the county you are in. The majority of banks do this after you have become 90 days late on your mortgage or 3 consecutive mortgage payments. From this time the earliest a sale date can be set is 90 days from that date. So you may not have to move out until days after you have missed your third payment.

What are the consequences of doing short sales in Raleigh NC?
Completing successful short sales in Raleigh NC will mean that you will not have a foreclosure reported on your credit. This will also mean that on lending applications where it asks if you have had a property foreclosed upon you will be able to answer, 'no'. This is one of the single best consequences of doing a short sale. By requesting a short sale with your lender or having a team such as us do this work for you, the number of calls you receive will be reduced by over 50%.

What happens if it doesn't work?
If your property does not sell as a short sale, it may end up being foreclosed upon by the bank.
It is of the utmost importance to get the bank an offer to review so that they can decide how they can best help you and to accept the offer you have received. It is for this reason that you need to have a real estate team who specializes in short sales present to the bank on your behalf.

What kind of information will the bank ask for?
Each bank has their own separate set of forms that they can ask to be filled out. In fact, if you have two loans, the amount of information can be different between both banks. The types of information that can be asked for as follows:

  • Signed and dated hardship letter
  • Copies of last 60 days pay stubs
  • Copies of P&L statements (if you are self-employed)
  • Completed financial worksheet - signed and dated
  • Copies of last two years tax returns
  • Copies of last 60 days bank statements
  • Copy of investment account statements
  • Copy of Listing Agreement
  • Estimated net sheet (Preliminary HUD-1)
  • Identification of liens on the property

We will guide you through all of the requirements regardless of which bank and which form that is required.

What is a hardship letter?
A hardship letter is a statement of how you and your family got behind on your payments. Banks are people, too, and they need to know what happened in order to help you out in the best possible manner. Events that should be included in a hardship letter are as follows:

  • Loss of Job
  • Loss of overtime or income from a job
  • Family issues: pending divorce, medical bills, other family issues

This is one of the main pieces of information that the bank uses in order to make its decisions from. It is important that it is truthful and explains what happened to the fullest extent possible.

What if I have declared bankruptcy?
Bankruptcy can delay a sale of your home at a trust sale. Your bankruptcy attorney may have additional advice for you. Our short sale specialists are proficient at communicating with your legal representation.
If you have declared bankruptcy, please let your Raleigh short sale specialist know, and please give them your attorney's information so we may be in contact with them.

What about bankruptcy?
Bankruptcy can delay the sale of your home. Please refer to your legal representative for detailed questions on bankruptcy.

What do I do with the letters I receive from the bank?
Read, review and get a copy of them to your Raleigh short sale specialist. These letters contain different pieces of information and it is critical to review all of them as they may have legal consequences to them. Banks can send you letters in regards to the following:

  • Loan Modification: They can modify your loan so that the payment is more affordable for you and your family.
  • Loan Forbearance: This is a temporary adjustment by the bank of the requirement to pay your mortgage. They can do this for reasons such as health, job or family issues. The amount that you do not pay is generally added to your loan balance or spread out over multiple payments.

What do I do about people offering to buy my house if I just sign the deed over to them?
Unfortunately, there are many individuals out there who do not care about helping homeowners in a time of need. They in fact only care about being able to profit from your situation. Our recommendation is that you make sure to have a real estate professional look at anything prior to signing any offer from one of these individuals. If the person has a legitimate offer, they will not care who reviews the offer. This being said, there are several investors out there that are good, as well. They are in it to help people, and make a few dollars for themselves while doing that (in which there is nothing wrong with that)

How do I choose someone to represent me in this transaction? Shouldn't I just call my local Raleigh Realtors who market in the area?
Unfortunately, 99% of real estate professionals are not trained on how to handle a property where more is owed that the property is worth. They are not trained in negotiation and not trained on how to deal with the banks and their representatives.
Raleigh real estate agents need to have specialized training in order to complete this process so as to prevent further action by the bank against you. In addition, agents need to have a deep understanding of the process and be able to explain the value to the bank of working with the home owner.

Are all short sales in Raleigh the same?
No. It would be great if they were, as it would make things easier for home owners. Any Raleigh short sale specialist who has helped both buyers and sellers on short sale properties will tell you that not all short sales are created equal. Success on short sales depends on a variety of reasons:

  • Uncooperative banks
  • Inadequate disclosure by the seller
  • Poorly prepared buyer
  • Bank delays
  • Poor communication by listing agent with the bank
  • Buyers back out
  • Seller fails to cooperate.

Will I get a 1099 for the difference between the sale price and what I owe?
It is possible. Each bank is different and the vast majority of banks will 1099 you for the difference. This is considered debt relief by the IRS and we recommend all clients speak to their tax advisor for assistance.

Why shouldn't I just let the home go to foreclosure?
Your credit! Foreclosure is one of the biggest damages to your credit that can be done. You will have to disclose the fact that you had a foreclosure every time you try and purchase a new property in the future no matter how long it has been since you had the foreclosure.
You will still be 1099 for the difference in the foreclosure sales price and the amount owed. In some cases, this can increase 50% by the time the property goes to foreclosure.

What does it cost to have you work with us on a Raleigh short sale?
We will not charge you any fees, whatsoever!

Is it better or worse if I have two loans?
It depends. Having two different lenders is one of the hardest short sales that can be done. It depends on how each bank has viewed the transaction and how they have both been communicated with during the entire process.

Is communication important and do I still have to keep calling the bank?
Yes, communication is extremely important. The number one reason for foreclosure is a lack of communication. We prevent this from happening because we do the communication for you. You have a job, but this is OUR job. We get authorization to speak with the lender on your behalf, and make sure you stay informed of what is happening.

How do I know what is going on?
Your Raleigh short sale specialist will communicate with you regularly throughout the process.

Why should I use You?
We choose you. We choose to work with clients we believe that we can help. Our experience and success in short sales and negotiations allows us to identify the clients we can help. If we don't believe we can help you, we will tell you right away.

What if I have a pre-payment penalty?
Let us worry about that for you so you can get back to your life.

Can the bank come after me or do they just get my property?
We specialize in negotiating with the bank and making sure they understand that working with us and you is in everyone's best interest. The bank can ask for more information or seek other means to get payment if you have lied on your mortgage application and may or may not do this depending on the situation. If you believe you may have lied on your mortgage application, please tell one o four short sale specialists. Our goal is to make sure the bank works with us and you to resolve this stressful situation.

Why would a bank agree to do this? Don't they just want my home, anyway?
The bank doesn't want to own your home. The foreclosure process is a very expensive process for the bank to carry out. There are legal fees, property fees, court fees, and additional staff required by the bank to handle foreclosures for a bank. Their goal is to prevent properties from going into foreclosure.

Can't I just do all this myself?
You could, but would you go to court without a lawyer if the side that was facing you had 15 lawyers? The fact is that this is a complicated real estate transaction with a large lending organization. This process can take 100's of hours for a trained professional to complete. Most people do not have the time to specialize in completing this kind of transaction. Our team is here to take the worry out of the transaction for you.

Who is Champion Realty?
We are a team of Raleigh real estate brokers, Raleigh real estate agents and other real estate personnel, who specialize in helping people get out of their Raleigh homes that they can no longer afford or no longer wish to own. Regardless of your situation, condition of your property, or how many you own, we can help you. Everyone runs into difficulties now and then. Our goal is to make your stressful situation go away so you can get back to your life.

Rodney McNabb is a Raleigh Short Sale Specialist with Champion Realty. He is currently offering his services in the Greater Raleigh, Durham and Chapel Hill areas. You may contact him for a confidential interview at Rodney@Champion-Realty.net

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The Joys of Short Sales

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Ahhhhhhhhh!! The joys of working and processing short sales! Some of you Super Stars may understand the motive for today's post. Others may just be on the other end of my message. I love short sales. No, I mean I truly enjoy the art and skill necessary to do this amazing job.

I love it so much that I've begun doing it for other Realtors who either don't have the time and/or skill. I do it for FREE and I truly take great pride in what I do. However, there are days when you get hit over the head and taken for a ride in this amazing business.

So I been working a short sale with Aurora for the last three months. It's a Freddie and it's been a dooooosy. We have the second with United Guaranty who then gave it over to DCS (Another story). So after calling, working, crying (JK LOL) smiling, postponing the foreclosure sale and everything else we finally got it to a negotiator only to get a call from the Realtor to say "Hey, I started calling this week and I have APPROVAL in hand".

 

What...!! Now it may be my own self-conscious but I just feel like this feeling of "I got it done quicker than you". Don't get me wrong, I'm for the borrower and whatever whenever to get them to avoid foreclosure. It's just that the APPROVAL is like that Holy Grail of processing the short sale. It's like running a marathon only for them to say "hey we stopped the race, come back tomorrow".

 

So great job for the Realtor and borrower and I'm very happy. Once again......The joys of short sales!!

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