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Why Choose Our Team For Your Short Sale?

  • Our team has over 10 years of short sale experience in the Reno – Sparks real estate market.
  • We are statistically one of the top performing short sale experts in the Reno-Sparks area.
  • Our commitment to each homeowner is the same… We will evaluate each situation individually to help you determine which option is best for you.
  • We will strive to make the Short Sale process as smooth, effortless and private as possible.
  • We will communicate with you throughout the entire transaction, so you are never left wondering what is happening or if the transaction is going through.
  • Our goal is not only to help you in this transaction, but hope to build a client for life by providing you with the outstanding service you deserve.
  • We are not investors, we will not ask you to deed the property to us, we will not lie to you, we will not charge you up front fees and will not recommend you deed to a third party or give up your home. We serve as a neutral third party to the Short Sale transaction and are working for both buyer and seller as a third party negotiator.
  • Our services our 100% free to you. Your mortgage lender will pay all real estate fees and commissions.
  • We handle Short Sales in all areas of Reno, Sparks, Carson City, Minden, Incline Village, Fernley, Dayton and the Lake Tahoe areas on the Nevada side.  We can also refer you to our partners throughout California and the US if you property is located in another area.

 

Get Started On Your Short Sale

 

We have helped hundreds of Reno-Sparks homeowners just like you avoid foreclosure, navigate the short sale process, and move on to a better tomorrow!

Our 3 Promises To You

  • We will save your credit
  • We will stop the calls from creditors
  • We will help you avoid foreclosure.

 

Who Are We

Welcome to the Heath Montgomery Real Estate Team Short Sale Website.  We are a local Real Estate Company serving Reno, Sparks, Carson Valley, and Incline Village.  We specialize in helping individuals that are heading into default on their current loans, or are already in the foreclosure process.  If you have questions, we have the answers to help you! We handle the listing and short sale negotiations throughout the entire short sale process.

We understand that defaulting on your mortgage can be a stressful and difficult situation.  We have counseled many individuals and families in similar situations.   Our team is here to help! We have discovered that many homeowners in this situation don’t realize that they have other options instead of foreclosure.  One of the best options to avoid foreclosure and save your credit is a short sale.

A short sale, is when the amount owed to the lenders is more than what the home can be sold for.  In a short sale, we list the property, and then negotiate with the bank to accept less than the full amount to satisfy the debt,  allowing it to be paid off “short”.

 

Just How Upside Down Is My Reno Home?

 

We truly care about people, and it has been a privilege for us to help many individuals and families throughout this economic downturn.  Our clients often refer to us as Honest, Dependable, Hardworking, and Trustworthy.  Many testimonials and reccomendations from our clients can be found on our testimonials page.

 

Why Choose Us?

Our team of Reno Sparks short sale professionals have consistently performed in the top 3% of all agents in Northern Nevada.  Our short sale success rate is among the highest in the industry, both nationally and locally.  We take pride in the fact that have successfully closed 95% of all short sale transactions that we have listed (the average agent closes less than 50% of their short sale transactions).  Our team has also won many top awards from Keller Williams Realty International as “top-producing” and “top performing”.

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Short Sale Processing Support

Why Use A Short Sale Processor?

“No one can whistle a symphony. It takes a whole orchestra to play it.” 

Some agents will not touch a short sale file without their processor(s) and others are scared to relinquish any control whatsoever. We come across a mix of both and find that once an agent has a processor who adds enough value to their business they will never turn back.

A processor should know 10X than you about short sales and everything that goes into facilitating the transaction to the fullest. From client management, foreclosure postponement, servicer and investor guidelines, to completing a short sale with multiple mortgage liens, judgments, and tax liens, no transaction should be beyond your processors comprehension.

Many top producing agents see the following values in a high-end processor:

  • Leverage others to free up time to prospect and build their business.
  • Increase Value to clients with a loss mitigation team in their corner.
  • Expedite and Stream Line Short Sale Transactions

 

How To Compensate A Short Sale Processor

There are a few different ways that you may be able to have a short sale processor paid that can keep you from coming out of pocket. If the deal doesn’t close, the processor shouldn’t be paid a penny.

Here a few ways to compensate a processor depending on servicer and state guidelines.

  • Ask The Servicer To Pay The Fee On The Settlement Statement
  • The Buyer May Be Willing To Pay The Short Sale Processing Fee
  • Increase Commission Split Towards Listing Side To Offset Processor Fee Paid By Listing Side
  • Combination Of The Above

Give me a ring at 1-800-692-9960 to discuss the value we can add to your business in the short sale and loss mitigation realm of real estate.

Brett@ishortsalenow.com

310-564-6389

www.ishortsalenow.com

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Teacher Credit Union first and second mortgage

I am wondering if anyone has ever done a short sale with Teachers Credit Union? It is not a huge branch but they are not small either.

I was told by the mortgage department (since they don't have a loss mitigation dept) that they will not accept an offer for less than $200,000 since their unpaid balance is $230,000. They are not going to entertain any lower value. They also never waive the deficiency.

I am looking for some good news from anyone who has dealt with this particular lender. Maybe even a success story..?

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PDF Version of this article - 10 Underwater Homeowner Options

Slipping toward foreclosure can lead to feelings of anxiety, depression, and loss of self-esteem. Don’t give up. There are options available to help millions of homeowners rescue themselves from the brink. Since it is crucial to act before a foreclosure takes place, now is the most important time for you to review the following options and solutions.

As a Certified Distressed Property Expert (CDPE), I am trained in assessing all foreclosure alternatives and pursuing the best solution for your own financial situation.

1) Short Sale

ShortSale-e1359385052209.jpg?width=210

A short sale allows the homeowner to avoid foreclosure, minimize financial damage and move on from a burdensome, unaffordable mortgage. In many cases, a short sale allows the borrower to qualify for a new mortgage in just 24 months, as opposed to five years or more after a foreclosure.

A trained real estate agent can help facilitate a short sale with your lender if you have three qualifications. First, you must show some type of financial or personal hardship. Second, you must have a monthly shortfall, meaning your monthly expenses are greater than your monthly income. Finally, you need to prove that your debts are greater than the value of your assets (certain investments, property, etc.). These requirements may differ per lender, so check with a distressed property specialist for specific information from your mortgage company.

2) Reinstatement

A reinstatement is the simplest solution for a foreclosure, however it is often the most difficult for homeowners to achieve. The homeowner simply pays the total amount past due (including late fees) to the lender. This solution does not require the lender’s approval and will “reinstate” a mortgage up to the day before the foreclosure sale.

3) Forbearance or Repayment Plan

A forbearance or repayment plan involves negotiating with the mortgage company to allow the homeowner to repay back-payments over a period of time. The homeowner typically makes current mortgage payments in addition to a portion of the back-payments owed. This option requires lender approval.

4) Mortgage Modification

A mortgage modification involves the reduction of one of the following: the interest rate on the loan, the principal balance of the loan, the term of the loan, or any combination of these. These changes require lender approval and typically result in a lower payment for the homeowner and a more affordable mortgage.

5) Rent the Property

This option does not require lender approval, but does require the homeowner’s ability to rent the house for enough money to cover the monthly mortgage payment.

It is important to remember that there may be unexpected costs associated with the maintenance of a rental property in addition to the monthly mortgage payments. Homeowners should take this into consideration when deciding whether this option will work for them.

6) Deed-in-Lieu of Foreclosure

Also known as a “friendly foreclosure,” a deed-in-lieu allows the homeowner to return the property to the lender rather than go through the foreclosure process. Lender approval is required for this option, and the homeowner must also vacate the property. Deed-in-lieu can potentially lessen the damage to a credit score and future loan eligibility, and sometimes the lender will forgo their right to pursue a deficiency judgment, meaning the homeowner will not be responsible for further payments.

7) Bankruptcy

Many have considered and marketed bankruptcy as a “foreclosure solution,” but this is only true in some states and situations. This does not require lender approval, but you must have non-mortgage debts that you claim as a hardship.

Entering bankruptcy can be a risky and costly process. Be sure to seek the advice of a qualified bankruptcy attorney when pursuing this as an option.

8) Refinance

As opposed to mortgage modification, refinancing means you will be acquiring a new loan based on your current credit standing. If you have already missed mortgage payments, your credit score may make it difficult to find a loan with cheaper payments.

9) Sell the Property

Homeowners with sufficient equity can list their property with a qualified agent who understands the foreclosure process in their area. Unfortunately, many homeowners in today’s market have experienced a decline in home value and may owe more than what the home is worth.

10) Servicemembers Civil Relief Act

(Military personnel only)

If a member of the military is experiencing financial distress due to deployment—and that person can show that the debt was entered into prior to deployment—he or she may qualify for relief under the Servicemembers Civil Relief Act. The American Bar Association has a network of attorneys that will work with servicemembers to help qualify them for this relief.

Pull Yourself Back From the Brink

If you are on the edge, you have no time to waste. Call me today; I’m here to lend a hand.

CDPEReflectionLogo-300x300.jpg?width=300Place Your Confidence in CDPE

With the right assistance, the stress of facing foreclosure becomes manageable. CDPE- designated agents have received the knowledge and training necessary to assess all possible foreclosure alternatives and pursue homeowners’ best options. A CDPE- designated agent attends several days of intensive, thorough training on foreclosure avoidance and how to help facilitate a short sale efficiently and ethically. The highly regarded CDPE logo means you are working with the most informed, up-to- date resource available.

Michael Collins, CDPE, SFR, BPOR
Broker - Rock Realty
608-921-8536

If you are wondering if a short sale might be right for your home, please visit our Short Sale Home Evaluation page.

Is a Short Sale right for my Wisconsin Home?

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Glendale Short Sale Help

Glendale, California – Is your loan with a large Bank/Lender, for instance Chase, Well Fargo, Bank of America or Citibank? In contrast, these Banks/Lenders usually do not make the FINAL decision on your Glendale Short Sale.

Here are the reasons why:

 

The vast majority of the time, the banks/lenders are working as a just the servicing company. They’re handling the loan for an “Investor” or third party.

 

Click here to discover how other sellers successfully did a short sale and avoided foreclosure.

 

The third party owner will most likely be a corporation, a pension fund, a Wall Street firm, or split up amongst sometimes thousands of individuals in what’s called MBS (Mortgaged Backed Securities)

 

The owner, or Investor, can also be a government backed or sponsored entities…for instance, Fannie Mae & Freddie Mac. These entities are called GSEs (Government Sponsored Entities).  This is essential, in most cases, because you can contact these entities if your servicer refuses your short sale.

 

What to find out if Fannie Mae or Freddie Mac own your mortgage loan? Click here! We have ways to find out who the Investor is on your mortgage loan if your home is NOT owned by Fannie Mae & Freddie Mac. Click Here, and fill out the short form to the right of the page and one of my team members will give you a call…we have multiple ways of figuring out who the investors are and how to get a hold of them. Usually, they will reassess your short sale…all you have to do is present your case and make sure that they are aware of your concerns and let them know absolutely why they should accept the short sale offer.

 

I’ve noticed that the Investor will generally do a much better job of assessing the short sale offer…especially, because it’s their money. Once their review is complete, they will usually approve the short sale offer and make sure that the servicing company is well aware of the acceptance. This has been especially helpful when the servicing company has asked for a contribution from the buyer and/or seller, when they want to issue the seller a promissory note or a deficiency judgment.

 

There has been many times where the negotiator at the servicing company will just reject the short sale for no good reason. There have been other times where the negotiator has asked for irrational demands…like an offer on the home for above fair market value.

 

You may ask why in the world someone would do this. Well? It could be multiple reasons…for instance; they may get compensated with a bonus for obtaining an offer and successfully closing the short sale for a higher price than what the property is worth.

 

Do to this, they might turn down a short sale offer that otherwise might have been approved. When this happens and the property forecloses, the Investor usually nets a much lower amount back, once the home is sold as a REO.  It becomes a lose, lose situation for all parties involved including the investor. The servicing company is the only one that usually wins regardless of the property foreclosing or closing through a short sale. Their servicing agreement allows them to collect everything that’s owed to them by the investor on the property; which puts a lot less money into the investor’s pockets.

 

This might be a surprise to many of you, but this does happen quite often. If you feel like this is happening to you, find out who the investor is and make sure they are aware of what’s happening with the servicing company. I’ve personally been able to get multiple short sales approved by bypassing the servicing company and going directly to the investor when the servicing company does not cooperate.

 

I can help you short sale your property and never pay the bank another penny. Send me an e-mail at CMe4Homes@JenniferEscobar.com will contact you for a free consultation.

 

When we talk, I will explain how the process works in detail and answer any questions you may have. Or, if you prefer, you can call me at (818) 335-7078

 

Discover how other sellers successfully completed a short sale and request a free consultation by clicking here.

 

Want more information about a California Free Loan Modification? Our FREE Loan Modification Services will help you get a loan modification approved with your lender.

 

Click Here for more information regarding my FREE LOAN MODIFICATION SERVICES!

 

Thanks for reading my blog post, Jennifer Escobar.

 

The Jennifer Escobar Team @ Qwest Real Estate

Phone: 818-335-7078              Email: CMe4Homes@JenniferEscobar.com

Website: www.TheJenniferEscobarTeam.com

 

Glendale California Real Estate | Short Sale Specialist | Short Sales | California Free Loan Modification Los Angeles Short Sale Specialist | Los Angeles Short Sale | When to short sale in Los Angeles | Los Angeles Short Sale Taxes | Why Short Sale in Los Angeles | Los Angeles Short Sale Requirements | Los Angeles Short Sale Guidelines | How does short sale work in Los Angeles | Los Angeles Mortgage Short Sale

 

Jennifer Escobar Specializes in FREE California Loan Modification Help to Southern California distressed homeowner’s who are seeking FREE CA Loan Modification assistance in their pursuit of a Loan Modification in Southern California. Furthermore, Jennifer Escobar also Specializes in Short Sales and has successfully listed, marketed and successfully negotiated hundreds of short sales in Southern California. Jennifer Escobar is a Short Sale Specialist successfully negotiating short sales in Glendale, Burbank, Granada Hills, North Hollywood, Sunland, Tujunga, Sylmar, Van Nuys, Valley Village and Lake Balboa. Glendale Loan Modification Help, Glendale Short Sales, Glendale Short Sale Realtor, Short Sale Realtor. Glendale CA Short Sales. Glendale Realtor. North Hollywood Loan Modification Help, North Hollywood Short Sales, North Hollywood Short Sale Realtor, North Hollywood Realtor. Granada Hills Loan Modification Help, Granada Hills Short Sales, Granada Hills Short Sale Realtor, Granada Hills Realtor. Burbank Loan Modification Help, Burbank Short Sales, Burbank Short Sale Realtor, Burbank Realtor. Van Nuys Loan Modification Help, Van Nuys Short Sales, Van Nuys Short Sale Realtor, Van Nuys Realtor.

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SHORT SALE HOUSE RIALTO CA

We have created the Real Estate Short Sale Formula for under-water and distressed homeowners in Rialto, California.

Rialto has many homes and families facing foreclosure, but they don't know if they would qualify for a short sale of their Rialto CA home to avoid complete financial devastation.

What Does a Real Estate Short Sale Mean for Rialto CA Homeowners?

The definition of a real estate short sale means that the Rialto CA house is about to be in foreclosure due to the default in payments of the mortgage. The owner of the Rialto home sells it for less than what they owe for the property. It is far better for their credit to sell it short than to lose the house to foreclosure.

But Do I Qualify For a Rialto CA Short Sale?

Everyone's situation is unique, and only the bank or banks that hold the mortgage can approve a short sale, but over years of short sale experience, we have developed the Real Estate Short Sale Formula to accurately predict a homeowner's chances of a successful short sale.

The Real Estate Short Sale Formula is a multiple question form that will take about 5 to 10 minutes to fill out, but once that's done we handle the rest!

The evaluation is free and is non-intrusive. So find out now if you qualify for a Rialto CA Short Sale, just click here to access the ---> Real Estate Short Sale Formula.

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SHORT SALE HOUSE NORCO CA

We have created the Real Estate Short Sale Formula for under-water and distressed homeowners in Norco, California.

Norco has many homes and families facing foreclosure, but they don't know if they would qualify for a short sale of their Norco CA home to avoid complete financial devastation.

What Does a Real Estate Short Sale Mean for Norco CA Homeowners?

The definition of a real estate short sale means that the Norco CA house is about to be in foreclosure due to the default in payments of the mortgage. The owner of the Norco home sells it for less than what they owe for the property. It is far better for their credit to sell it short than to lose the house to foreclosure.

But Do I Qualify For a Norco CA Short Sale?

Everyone's situation is unique, and only the bank or banks that hold the mortgage can approve a short sale, but over years of short sale experience, we have developed the Real Estate Short Sale Formula to accurately predict a homeowner's chances of a successful short sale.

The Real Estate Short Sale Formula is a multiple question form that will take about 5 to 10 minutes to fill out, but once that's done we handle the rest!

The evaluation is free and is non-intrusive. So find out now if you qualify for a Norco CA Short Sale, just click here to access the ---> Real Estate Short Sale Formula.

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Avoid-Foreclosure-150x150.jpg?width=1507 Reasons to Avoid a Foreclosure

Families who typically end up foreclosing on their home often didn’t understand the foreclosure process or simply just gave up because they no longer cared or could handle the stress. The foreclosure process is typically an emotional rollercoaster and it’s not uncommon for us to hear they simply wanted to “wash their hands of the headache”. In situations like this, we urge homeowners to become aware of their options and really understand what a foreclosure means.

We’re prepared a quick list of foreclosure consequences that will help you understand exactly what a foreclosure means.

1)      If your property forecloses, you will be required to disclose this on all future mortgage applications, and on many job applications. This can have an adverse effect on your future mortgage rates.

2)      According to Fair Isaac Corporation, credit scores will be lowered by 300 or more points. A foreclosure is considered the most devastating credit issue in relation to future credit availability and if coupled with bankruptcy can be very hard to recover from.

3)      A foreclosure is very difficult if not impossible to have “repaired” on your credit report.

4)      It could open up the possibility for your mortgage lender to seek a deficiency judgment and attempt to collect the difference not accounted for from the sale of the home.

5)      A foreclosure can put a new job in jeopardy, as many employers are now running credit checks on potential hires.

6)      A current job could be in jeopardy. There are many employers who run credit checks annually to make sure employees are not underwater in their finances.

7)      Government jobs can be jeopardized with a foreclosure showing on a credit report, especially those with security clearances.

With these points in mind, if you find yourself underwater and unable to make a mortgage payment, it’s important to seek out options. One option that will allow you to still exit the home is called a short sale.  A short sale is often the better route and provides a more favorable outcome for both you and your mortgage company. The ability to find experienced short sale team with a proven successful track record will help you protect yourself from a diminished credit score and the possibility of losing employment opportunities.

We are here to help – call us today – 888-746-7820. 

www.shortsaleapprovals.com

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Closed another Short Sale in Rancho Mirage, California.  Recorded yesterday for $265,000.  Bank of America notes at approximately $485,000.  

 

My Seller is a lovely woman who LOVED this condo.  She and her husband spent many happy years there.  Her husband died a couple years ago, and it just became too emotional for her to live there.  Emotional as well as expensive.  She finally gave in and decided to short sale it with me. 

 

My Buyer is a Canadian who was looking for a gated community with lakes.  He got it!  This community on the Northern side of Rancho Mirage, Lake Mirage Racquet Club, is fantastic.  He has a lovely condo with a private boat dock, and Western views of the Santa Rosas' over the lake..yes, here in the desert!!!  We truly do have it all.

 

My Seller is relieved and her stress level plummeted yesterday with Recording.  My Buyer is thrilled to have his desert winter retreat..all is well in the Short Sale world. 

 

Short Sales truly are a tremendous way out for both Buyers and Sellers...I list, work and CLOSE my Short Sales.  No negotiation company used or needed.  I actually enjoy the negotiations!

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12433923861?profile=originalInteresting that they were last minute listings here in the Palm Springs, CA area.  One in North La Quinta and the other in West Indio..both had Sale Dates set of approx. 21 days out.  Both Sellers had been denied Loan Mods and were at wits end and OVER the banks!

Chase has always been tough for me, but this Short Sale was approved and sale date postponed within 3 weeks!  We are now about 3 weeks from closing which is amazing considering it's a VA loan.  Had to get around the Seller non-allowables, but so far, we're moving to close.

Wells Fargo, on the other hand, has always seemed relatively sane in my Short Sale dealings, so it was no surprise that they pushed their Sale Date back and gave me some time to maneuver my HAFA docs into position.  Just received the approval and we're set to close 11/7. 

Now..as we all know, getting approval letters, HUD-1's corrected, net sheets in order, inspections done, tenants moved, and whatever else can happen during the closing stages, does NOT guarantee a close and a pay check in the Short Sale Ether World.  But..it appears today that things are moving along as well as can be expected.

Focusing on Equity Sales today.  I've got an offer to write!!  Equity Sales are still happening in my area as long as the Seller can list their home for a number that WORKS with the current market. 

I'm listing and closing about 50% equity Sales and 50% Short Sales so we're running neck and neck for 2011. 

 

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Los Angeles, CA - Chase to buy Bank of America!!!!

 

After some digging in I've been told by an Attorney who's one of several attorney's working on the buy out/merger of Bank of America with Chase! What I've been told is that out Federal Government has been strategically planning on having Chase buy Bank of America for years now! It's finally coming to life..! I've been waiting off on putting this out there, but when I received an email from Mike Linkenauger, stating that he just received a letter from Bank of America stating that the seller qualifies to receive up to $20,000, I knew it was time to make it public! Chase has been offering relocation assistance to destressed homeowner's for for several months now!

 

Jennifer is a Real Estate Agent at Qwest Real Estate.


www.JenniferEscobar.com

 

Los Angeles Short Sale Specialist | Los Angeles Short Sale | When to short sale in Los Angeles | Los Angeles Short Sale Taxes | Why Short Sale in Los Angeles | Los Angeles Short Sale Requirements | Los Angeles Short Sale Guidelines | How does short sale work in Los Angeles | Los Angeles Mortgage Short Sale

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Short Sale in Indian Wells, Calif......APPROVED!  Just received my approval letter yesterday on this one.  From List to 8/15 COE will be approx. 120 days.  It is intriguing to me how some Short Sales sail along and others..seemingly very similar to my eyes, get stuck.  This one is a vacation home for my Seller.  He has two loans with Bank of America.

Primary Loan:  $417,000 due

Second:  $206,000.

APPROVED Sales Price:  $465,000. 

 

I wrote a blog yesterday about how much power the Negotiator assigned to your file, wields in the completion of the approval and eventual CLOSE of a Short Sale.  This is proof positive.  My negotiator was fantastic, and I sent her boss an e-mail about how well she handled my clients' file.  Professional, communicative, on top of the file from the get go..and here we are..almost done.  Wish I could request her again..

 

The other thing is that the loans were linked.  The second had not been cut up and sold, and most importantly, no MI. 

 

I list, work and CLOSE these babies...

 

 

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"Ask real estate experts about short sales" with Mike Sher, associate broker for Max Broock Realtors in Bloomfield Hills Live chat noon Monday:

By GRETA GUEST | FILED UNDER - Business / Real Estate | 12:47 AM, Jul. 25, 2011  

Are you trying to sell your house on a short sale and running into red tape? Are you trying to buy a house on short sale?

Join our live chat Monday at noon for advice from a panel of real estate experts on how to navigate a short sale.

We’ll talk to:

• Mike Sher, associate broker for Max Broock Realtors in Bloomfield Hills

• Ellen Mahoney, president of Complete Title Services’ loss mitigation division in Birmingham

• Janet Graham, a Realtor with Hall & Hunter in Birmingham

• Jerry McCoy, a loan modification expert at Chase

 Link Below

http://www.freep.com/article/20110722/BUSINESS04/110722046/Live-chat-noon-Monday-Ask-real-estate-experts-about-short-sales

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Los Angeles, CA – Just in, Governor Brown, signed into law today, SB458. This law will be written in the California Civil Code Procedures under CA CCP Section 580(e).

 

Get my Free, Step By Step Loan Modification Guide by clicking here.

 

What this law states is that if a homeowner does a short sale, where the property has a 2nd Trust Deed, that 2nd lender/investor can no longer pursue the homeowner for the deficiency balance if they agree to entertain a short sale. If you recall, SB931, which came into effect as of January 2011, protected California homeowners from their lender/investor from coming after them for the deficiency balance on ONLY the 1st Trust Deed. What SB458 does now is that it encompass the 1st and 2nd Trust Deeds and protects the California homeowner from the possibility of their lender/investor from perusing the deficiency balance.

 

In Layman’s terms: If the 2nd Trust Deed Lender agrees to the short sale, they’re also agreeing to waive their right to collect on the deficiency balance!


There are two key things to point out here:

1) SB458 does not state that the 2nd TD Lender cannot ask for a cash contribution from the seller at closing.

2) SB458 does not state that the 2nd TD Lender cannot ask for a unsecured note from the seller at closing.

 

Thinking about a loan modification? Our Glendale loan modification kit will show you how to reduce your mortgage payment, keep your home, and get back on your feet. Send me an e-mail at cme4homes@jenniferescobar.com to request a Free Copy. Or, click here to request a copy.

 

Want more information about a California Free Loan Modification? Our FREE Loan Modification Services will help you get a loan modification approved with your lender. Click here to for more information regarding my FREE LOAN MODIFICATION SERVICES!

 

Thanks for reading this, Jennifer Escobar.

 

Jennifer is a Real Estate Agent at Qwest Real Estate.

 

My BLOG: CA Free Loan Modification Services | Los Angeles Short Sale

 

Los Angeles Short Sale Specialist | Los Angeles Short Sale | When to short sale in Los Angeles | Los Angeles Short Sale Taxes | Why Short Sale in Los Angeles | Los Angeles Short Sale Requirements | Los Angeles Short Sale Guidelines | How does short sale work in Los Angeles | Los Angeles Mortgage Short Sale

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Los Angeles Short Sale Specialist | Los Angeles Short Sale | When to short sale in Los Angeles | Los Angeles Short Sale Taxes | Why Short Sale in Los Angeles | Los Angeles Short Sale Requirements | Los Angeles Short Sale Guidelines | How does short sale work in Los Angeles | Los Angeles Mortgage Short Sale

 

wall-street.jpg

 

Los Angeles CA –Wall Street Fat Cats say homeowners shouldn’t walk away from upside down
homes. Why? “If you do it, then everyone will start doing it”, they say. “It isn’t moral. People should own up to their commitments.

 

People should be responsible. This is more than just a contract. It’s what holds the entire economy together.” However, those same rules don’t seem to apply to the Wall Street Bankers.

 

Discover how other sellers successfully did a short sale and request a free consultation by clicking here.

 

Turns out Wall Street firm Morgan Stanley strategically defaulted on their upside down properties.

Here is the article from Bloomberg: Morgan Stanley to Give Up 5 San Francisco Towers Bought at Peak.

 

Here is what the article says: “Morgan Stanley, the securities firm that spent more than $8 billion on

commercial property in 2007, plans to relinquish five San Francisco office buildings to its lender
two years after purchasing them from Blackstone Group LP near the top of the market.


The bank has been negotiating an “orderly transfer” of the towers since earlier this year, Alyson Barnes, a Morgan Stanley spokeswoman, said yesterday in a telephone interview. AREA Property Partners will
take over the buildings. Barnes declined to say when the transfer will occur.


“This isn’t a default or foreclosure situation,” Barnes said. “We are going to give them the properties to get out of the loan obligation.


The Morgan Stanley buildings may have lost as much as 50 percent since the purchase, he estimated.

Morgan Stanley bought 10 San Francisco buildings in the city’s financial district as part of a $2.5 billion purchase from Blackstone Group in May 2007. The buildings were formerly owned by billionaire investor Sam Zell’s Equity Office Properties and acquired by Blackstone in its $39 billion buyout of the real estate firm earlier that year.


Morgan Stanley, based in New York, was the biggest property investor among Wall Street firms at the time of the purchase. The transaction made the company one of the largest office landlords in San Francisco, with the purchase giving the bank 3.9 million square feet of office space there.”


Pretty interesting. If an ordinary guy walks away from his upside down home, then that makes him a immoral deadbeat. “He’s working the system”, the Wall Street people say.

 

But, to them it’s a moral business decision. “We’re doing what’s best for our stockholders”, they say. “That’s our obligation and duty.”

 

Here is my question. Doesn’t a parent have an obligation to do what is best for the stockholders in their family? Let’s say that they can save hundreds of thousands of dollars in mortgage payments.

 

As a result, little Timmy will be able to attend college when he grows up. Isn’t it their moral obligation to do what is best for the stockholders in the family?

 

Thanks for reading this, Jennifer Escobar.

 

Jennifer Escobar is a Real Estate Agent at Qwest Real Estate.

 

My Website: www.JenniferEscobar.com

My Blog: www.Glendale-ShortSales.com

 

Los Angeles Short Sale Specialist | Los Angeles Short Sale | When to short sale in Los Angeles | Los Angeles Short Sale Taxes | Why Short Sale in Los Angeles | Los Angeles Short Sale Requirements | Los Angeles Short Sale Guidelines | How does short sale work in Los Angeles | Los Angeles Mortgage Short Sale
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Los Angeles Short Sales I have a good story today about another bank losing their shirt because their short sale process is so tough to work with.

 

The bank in question is a large, top 20 American Bank. They actually owned the loan in question. So their stockholders lost 50k from their negligence. Ouch

 

Here is the story from a Stop Foreclosure Institute Member. “We met some buyers at an open house. They told us they were buying a house just down the street from one that we had for sale.

 

They had a contract to buy the house for $275,000. They knew the house was a short sale. They were getting frustrated because they had been waiting for the short sale to be approved.

 

They had already been waiting for several months with no answer. They mentioned something about 3 mortgages and the junior mortgages were hard to work with.

 

5-6 months later we noticed that the house was back on the market. They time the asking price was $229,900. It finally sold several months later for $229,000.

 

That means this bank lost $46,000 on the lower sales price. In addition, we estimate that the lender lost another $15,000 in lost interest income and property taxes.

 

That means this lender lost $50,000 to $60,000 because their short sale process was so hard to work with. To be honest, I would be kind of embarrassed if I was the CEO of that bank.

 

The other thing is that the short sale Realtor in question was inexperienced. She had very little experience with short sales, which she openly admitted.

 

If that lender pushes for a deficiency judgment, that agent’s lack of short sale experience could have cost those home sellers $50,000. Ouch!” Thinking about a short sale?

 

Thanks for reading this, Jennifer Escobar.

 

Jennifer is a Real Estate Agent at Qwest Real Estate.

 

My BLOG: www.Glendale-ShortSales.com

 

Glendale Short Sale Specialists | Los Angeles Short Sale Specialist | Los Angeles Short Sales | Short Sales in Los Angeles | Burbank Short Sale Specialists | Granada Hills Short Sale Specialists | North Hollywood Short Sale Specialists | Van Nuys Short Sale Specialists | North Hills Short Sale Specialists

 

Jennifer Escobar Specializes in FREE California Loan Modification Help to Southern California distressed homeowner’s who are seeking FREE CA Loan Modification assistance in their pursuit of a Loan Modification in Southern California. Furthermore, Jennifer Escobar also Specializes in Los Angeles Short Sales and has successfully listed, marketed and successfully negotiated hundreds of short sales in Southern California. Jennifer Escobar is a Short Sale Specialist successfully negotiating short sales in Los Angeles, Glendale, Burbank, Granada Hills, North Hollywood, Sunland, Tujunga, Sylmar, Van Nuys, Valley Village and Lake Balboa. Los Angeles Loan Modification Help, Los Angeles Free Loan Modification Help, Los Angeles Short Sales, Glendale Loan Modification Help, Glendale Short Sales, Glendale Short Sale Realtor, Short Sale Realtor. Glendale CA Short Sales. Glendale Realtor. North Hollywood Loan Modification Help, North Hollywood Short Sales, North Hollywood Short Sale Realtor, North Hollywood Realtor. Granada Hills Loan Modification Help, Granada Hills Short Sales, Granada Hills Short Sale Realtor, Granada Hills Realtor. Burbank Loan Modification Help, Burbank Short Sales, Burbank Short Sale Realtor, Burbank Realtor. Van Nuys Loan Modification Help, Van Nuys Short Sales, Van Nuys Short Sale Realtor, Van Nuys Realtor.

 

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

 

Important Notice

 

Jennifer Escobar, Qwest Real Estate, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

 

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

 

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

 

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

 

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

 

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

 

The views expressed here are Escobar’s personal views and do not reflect the views of Qwest Real Estate.

 

This information on Glendale, CA Real Estate | Los Angeles Short Sales | Los Angeles Short Sale Specialist | Short Sale Specialist | Short Sales | CA Free Loan Modification: Lenders Loses 50k Turning Down Short Sale is provided as a courtesy to our viewers to help them make informed decisions
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Los Angeles Short Sale Specialist | Los Angeles Short Sale | When to short sale in Los Angeles | Los Angeles Short Sale Taxes | Why Short Sale in Los Angeles | Los Angeles Short Sale Requirements | Los Angeles Short Sale Guidelines | How does short sale work in Los Angeles | Los Angeles Mortgage Short Sale

 

Helping Homeowners avoid foreclosure! I provided FREE California Loan Modification Help and Short Sale Assistance for distressed homeowners!

 

Los Angeles, CA - Banks must hate Strategic Defaults. A person who walks away from hundreds of thousands of dollars in mortgage debt gets on their nerves!

 

Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here.

 

It must bug them so bad that Fair Isaac, the founder of the FICO score, came out with a program that tracks strategic defaults. Here is the story according to Inman News:

 

Fair Isaac, developer of the ubiquitous FICO score, has a new warning for homeowners plotting a strategic default or walkaway: We can now spot you in advance. We’ve developed a black-box risk-identification tool that enables lenders and mortgage servicers to tag you months in advance — and then pursue their own strategic measures to intervene.

 

The tool is so effective, according to FICO, that it can “capture nearly 67 percent of strategic defaulters” who are otherwise unremarkable and undetectable, paying their mortgages on time.

 

Sound a little spooky? Not for the major lenders who are working with FICO to install the new statistical risk-scoring model, aimed at some of the costliest and most perplexing defaulters in the marketplace: people who just stop paying on their loan abruptly, without ever previously being late, even though they have the income to pay.

 

Strategic walkaways are a multibillion-dollar headache to banks and investors. A study by researchers at the University of Chicago’s Booth School of Business found that during last September alone, 35 percent of mortgage defaults in the U.S. were strategic — up sharply from 26 percent in March 2009.

 

With an estimated 23 percent of all residential mortgages underwater as of March of this year, according to data from consulting firm CoreLogic, spotting — and dealing with — walkaways has become a high priority for the biggest banks.

 

Walkaways are also more than a slight concern to default risk-scoring giants like Fair Isaac and Vantage Score LLC, the joint venture created by the three national credit bureaus: Equifax, Experian and Trans Union.

 

Both companies have been stunned to find that the very consumers they deemed the least likely to go into default — people with 800-plus FICOs and 900-plus Vantage scores — are statistically more likely to default strategically, with no outward signs of impending payment stoppages, than the lower-scoring masses.

 

People with low FICO scores still default more often than high scorers, but when high scorers do default, they are far more likely to do so out of the blue. In the lowest score category (300 to 499) more than twice as many people default non-strategically — they begin missing payments over time, typically because of income declines — than strategically.

 

These walkaways are especially vexing to score-modeling experts like Andrew Jennings, Fair Isaac’s chief analytic officer and head of FICO Labs. “They open up new credit accounts” before stopping their mortgage payments, he told me in an interview last week. “They prepare.”

 

They intentionally default on their mortgages in part “because they believe it is in their best financial interest, and because they believe the consequences will be minimal,” Jennings said.

 

Jennings supervised Fair Isaac’s work in developing a special tool that pinpoints likely strategic defaulters while they’re still cocooning and haven’t yet revealed their intentions to lenders.

 

Some of the research involved examining massive samples of credit bureau data — 5 percent of all U.S. mortgage accounts — during a recent one-year period, looking for telltale clues, month by month, that would separate out strategic defaulters from ordinary defaulters.

 

What the project turned up, said Jennings, helped formulate the model that FICO has now created for lenders and servicers.

 

So what’s in the black box? Obviously the complex statistical model and exactly how it works is proprietary. But Jennings said it looks at a composite of separate risk factors from credit and real estate databases, and enables servicers to identify borrowers whose profiles match those of strategic defaulters most closely.

 

Some of the key characteristics include:

 

–How long have the borrowers owned the house? The shorter the time span, the higher the risk.

 

–Are they good to excellent managers of their household finances and credit relationships? Do they make modest and responsible use of credit cards and other revolving debt? Do they pay their accounts on time as a rule? Do they rarely, if ever, go over the limits on their cards — or even come close?

 

–Have they departed from their past credit usage patterns in recent months by opening up multiple new accounts?

 

–Based on local property-value indexes, is it likely that they have slipped into negative equity territory? Remember: How deeply underwater is only a moderately predictive factor. Lots of owners whose properties are worth far less than their mortgage balances do not strategically default, but keep plugging away paying every month, while borrowers who fit the FICO strategic defaulter profile may be only slightly underwater but still walk away abruptly.

 

By the way, location is not a key factor in the equation. FICO found that 40 percent of all strategic defaulters live in “recourse” states where lenders can — and do — pursue defaulters for any un-recovered debts following a foreclosure.

 

Of course, the model cannot peer into would-be walkaways’ minds and motivations. “We’re not trying to explain their psyches,” Jennings said, “but you see the patterns” and certain borrowers’ profiles light up like flashing neon signs.

 

The top bracket of high-risk homeowners identified by FICO’s new model are 110 times more likely to strategically default than other borrowers — even though they otherwise appear to be solid customers, according to Fair Isaac.

 

Armed with these risk profiles, what are banks and servicers likely to do as they scan their portfolios? Fair Isaac recommends that they intervene early with what it calls “pre-delinquent treatments.”

 

These include contacting high-risk borrowers to warn them about the consequences of strategic defaults: Their credit scores will tank by 150 points or more, they’ll be hampered or penalized in applications for rentals, employment, car loans or leases, and they can forget about buying another home for at least several years, possibly as long as seven.

 

If they live in a state that allows deficiency recoveries, servicers will probably emphasize their determination to do so in the event of any default.

 

Will all this work? Major banks and FICO think it should help. The jury is out at the moment, but if the early detection concept is valid, who knows?

 

Maybe it will cause some homeowners to think twice and discourage them from taking that first, crucial step: Secretly plotting their walkaway, months in advance.” End of Article.

 

This has big repercussions for anyone thinking about a strategic default. Tomorrow we’ll talk about how this affects you if you and what to do to avoid problems on a strategic default.

 

Thanks for reading this, Jennifer Escobar.

 

Jennifer Escobar is a Real Estate Agent at Qwest Real Estate.

 

My Website: www.JenniferEscobar.com

 

Los Angeles Short Sale Specialist | Los Angeles Short Sale | When to short sale in Los Angeles | Los Angeles Short Sale Taxes | Why Short Sale in Los Angeles | Los Angeles Short Sale Requirements | Los Angeles Short Sale Guidelines | How does short sale work in Los Angeles | Los Angeles Mortgage Short Sale

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Los Angeles California Real Estate | Short Sale Specialist | Short Sales in Los Angeles | Short Sale Los Angeles| Los Angeles Loan Modification:

 

I have a Realtor friend that works out of Pasadena California that recently was fired by her seller because of this letter. Chase told the seller that they would receive $30,000 at the close of escrow if they fired their current agent and picked an agent from the CDPE network.

Here's my take on it at at this point, the laws, the ethics, the rights of agents and homeowners, the rules, etc...does not matter anymore! The laws are being shifted, once again, to protect the financial sector. My belief is that it will tremendously hurt Real Estate.

We are seeing a shift in our duties as Agents...we now have a fiducuary duty towards the seller, the buyer and the banks/investors/servicers! How can an agent who's been provided a lead/referral/listing from a Bank be a neutral, ethical advocate and conduct his/her duties as the homeowner's agent and the homeowner's best interest at heart?

 

Click on this link to see the letter that was sent out from Chase to this particular client:

 

Chase Letter

 

Thanks for reading this, Jennifer Escobar.

 

Jennifer is a Real Estate Agent at Qwest Real Estate.

 

My BLOG: www.Glendale-ShortSales.com

 

Los Angeles California Real Estate | Short Sale Specialist | Short Sales in Los Angeles | Short Sale Los Angeles| Los Angeles Loan Modification

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short-sale-vs-foreclosure.png

 

Glendale, CA Real Estate – Glendale CA – Here is a question that I just recieved. “I am in the middle of a very long negotiation with Chase.

 

The seller had me to put a clause into the contract stating “upon approval of short sale by sellers’ lender, lenders, & or affiliates, client, or heirs will be released from any monetary shortages or deficiencies from said sale of stated property upon successful closing and transfer of title from that date and forevermore.”

 

The short sale negotiator at the lender, Nathan W, has advised me that he will reject the file and close it out if we don’t remove this from the contract. What do you think?

 

After reading your comments below, I am not sure of what will happen. How should I pursue this?” James.

 

Here was our answer: I think the negotiator is getting his ego involved. Many investors waive promissory notes. He is out of line (and breaching his lender’s fiduciary duty to the owner of the loan) if the following applies:

 

1. If it is the loan owner’s policy to not pursue a deficiency.

 

2. If accepting this short sale will net the loan owner more money than a foreclosure.

 

If those two things apply, then this negotiator is in breach of their fiduciary duty to the loan owner. You and I don’t have millions of dollars to pursue a lawsuit, but we can contact the loan owner directly to let them know what is happening.

 

If they are going to lose money not accepting the short, then they need to know about Chase doing a lousy job.

 

Now, the negotiator has the authority to demand a promissory note depending upon who the owner of the loan is. Find out who the owner of the loan is.

 

Fannie, Freddie, FHA, VA, etc. Fannie, Freddie, FHA, and VA will let the borrower go free from all future liability. Obviously that doesn’t apply if there is Mortgage Insurance. If the investor is one of those entities, then tell the negotiator that you will be contacting them directly.

 

When a bank should accept your short sale. A bank should accept your short sale when the following rules apply. All banks and servicers have a fiduciary duty to the investor of the loan.

 

If they own the loan themselves, they have a fiduciary duty to their stockholders. The duty is to get that investor the most money possible. So, a lender should accept an offer if it will net the most money.

 

Here is how we can assure the negotiator that the offer will net them the most money. Your only job is to prove that to the negotiator.

 

Do that by showing them that the property has been on the open market for 60-90 days. We need to be able to show that the house was easy for buyers to see and other agents to show.


Ask them the following, “I’m an experienced agent and I’ve had this house listed for X days. The seller has lived there the entire time and kept up on the house. It looks good. We have had 43 showings since then.


Out of that, only 3 buyers expressed interest. Out of those 3 buyers, the current buyer is the one willing to pay the most money. I’m doing my job marketing the property.

 

With the current foreclosure case status, the home won’t be foreclosed until June or July. When you foreclose on the house, the owners will move out. The house won’t be kept up anymore.

 

The listing agent will be working on 20 other homes and won’t be able to do as good of a job as myself. Do you honestly think the home is going to sell for more money at that time?

 

They will have to agree that it is a losing proposition. Thinking about a short sale?

 

Thanks for reading this, Jennifer Escobar.

 

Jennifer is a Real Estate Agent at Qwest Real Estate.

 

My BLOG: www.Glendale-ShortSales.com

My Website: www.JenniferEscobar.com

 

Glendale Short Sale Specialists | Burbank Short Sale Specialists | Granada Hills Short Sale Specialists | North Hollywood Short Sale Specialists | Van Nuys Short Sale Specialists | North Hills Short Sale Specialists

 

Jennifer Escobar Specializes in FREE California Loan Modification Help to Southern California distressed homeowner’s who are seeking FREE CA Loan Modification assistance in their pursuit of a Loan Modification in Southern California. Furthermore, Jennifer Escobar also Specializes in Short Sales and has successfully listed, marketed and successfully negotiated hundreds of short sales in Southern California. Jennifer Escobar is a Short Sale Specialist successfully negotiating short sales in Glendale, Burbank, Granada Hills, North Hollywood, Sunland, Tujunga, Sylmar, Van Nuys, Valley Village and Lake Balboa. Glendale Loan Modification Help, Glendale Short Sales, Glendale Short Sale Realtor, Short Sale Realtor. Glendale CA Short Sales. Glendale Realtor. North Hollywood Loan Modification Help, North Hollywood Short Sales, North Hollywood Short Sale Realtor, North Hollywood Realtor. Granada Hills Loan Modification Help, Granada Hills Short Sales, Granada Hills Short Sale Realtor, Granada Hills Realtor. Burbank Loan Modification Help, Burbank Short Sales, Burbank Short Sale Realtor, Burbank Realtor. Van Nuys Loan Modification Help, Van Nuys Short Sales, Van Nuys Short Sale Realtor, Van Nuys Realtor.

 

Copyright 2011 SFI Marketing Institute, LLC. All Rights Reserved.

 

Important Notice

 

Jennifer Escobar, Qwest Real Estate, and the Stop Foreclosure Institute are not affiliated in any way, shape, or form with the government. Our services have not been reviewed or endorse by the government or your lender. Most lenders willingly work with agents on short sales. Why?

 

Because most short sales are beneficial to a lender. If you accept our offer to help you on a short sale, your lender may not agree to a short sale or to modify your loan. We do offer a loan modification kit.

 

However, the likelihood of negotiating a modification is like everything else in life. It takes work and persistence to convince your lender to modify your loan. No matter what you or we do, your lender may not approve a loan modification.

 

We do not recommend that you stop paying your mortgage, because this will cause damage to your credit and could cause you to lose your home. Because we know avoiding foreclosure is so important to any homeowner, we recommend that you speak with the appropriate legal or tax advisor before making any decision.

 

This is not intended as legal, technical, or tax advice. Please speak with a licensed professional before making any decision. Information is deemed reliable but not guaranteed as of the date of writing.

 

You have the option to reject a short sale or loan modification from your lender if it does not meet your approval. If you decide not to go thru with the short sale, then you do not have to pay us our fee. We normally make a real estate sales commission for helping you on a short sale.

 

The views expressed here are Escobar’s personal views and do not reflect the views of Qwest Real Estate.

 

This information on Glendale, CA Real Estate | Short Sale Specialist | Short Sales | CA Free Loan Modification: This Short Sale Negotiator Isn’t Doing His Job is provided as a courtesy to our viewers to help them make informed decisions.

 


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Glendale, California Real Estate | Short Sale Specialist | Short Sales | California Free Loan Modifications – People often wonder why their lender will release their debt in a short sale. Most lenders don’t like to release the debt. But, they agree to do it because they know that policy nets them more money.

 

They net more because a home usually sells for more money as a short sale versus after it has been foreclosed upon. Let’s go thru a few examples.

 

 

Small-Home-13-300x204.jpg

 

See the home in the top picture? You can see that it is good shape. Most short sales are being sold while the homeowner lives in the home.

 

The homeowners are able to keep the house up. They keep the inside clean and neat. In addition, they mow the lawn and keep up on the yard.

 

This makes a big difference in the sales price. Would you rather buy a home that is in great condition or one that needs work?

 

Now look at the home in the bottom picture. That is an abandoned home in foreclosure. No one is there to keep up on the yard.

 

58557-Sunn-Valley-Blvd-Goshen-Indiana-465281-300x225.jpg

Abandoned Home in Foreclosure.

 

The inside of the home is probably dirty. Vagrants can break into the home. The home is also an easy target for vandalism.

 

The bottom line is that most short sales are in better shape than a foreclosed home. In fact, they are usually in much better shape.

 

Thinking about a loan modification? Our FREE Glendale Loan Modification Services will help you get a loan modification approved with your lender. Click here to for more information regarding my FREE LOAN MODIFICATION SERVICES!


Thanks for reading this, Jennifer Escobar.

 

Jennifer is a Real Estate Agent at Qwest Real Estate.

 

My BLOG: www.Glendale-ShortSales.com

My Website: Glendale Short Sale | Burbank Short Sale | Granada Hills Short Sale | North Hollywood Short Sale | Van Nuys Short Sale | North Hills Short Sale

 

Glendale Short Sale Specialists | Burbank Short Sale Specialists | Granada Hills Short Sale Specialists | North Hollywood Short Sale Specialists | Van Nuys Short Sale Specialists | North Hills Short Sale Specialists

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