Short Sale Expert - Arizona Real Estate
Short Sale/Pre-Foreclosure Options
If after exhausting your options to restructure your loan and/or “catch up” your payments you may want to consider a Short Sale of your property. A short sale is basically just negotiating with the lender to sell the home for less than what you currently owe. I am passionate about saving people from foreclosure and thereby saving their credit. A foreclosure stays on your credit record and lowers your credit score between 250 and 300 points and can last for 7 to 10 years. Purchasing another home in that timeframe is VERY difficult and in many cases impossible. Short Sales are often times a better route to take. I can help you avoid foreclosure, offer foreclosure assistance and assist you in re-negotiating your current mortgage loans.
Short Sale Options for Homeowners
I provide a comprehensive value added service that encompasses all aspects of negotiating a short sale with your current lender. I will help you handle the marketing of your home through the final sales process.
| Benefits of Short Sale vs. Foreclosure: |
- LESS HARMFUL TO YOUR CREDIT
- Show ‘Debt Settled’ rather than a ‘Foreclosure’ on your credit report
- Pay delinquent property taxes, homeowners association dues, and other liens through the short sale
- QUALIFY FOR A NEW HOME LOAN 3 YEARS SOONER
- Fannie Mae allows a new home loan 2 years after a pre-foreclosure sale (short sale) rather than 5 years after a foreclosure
- Fannie Mae allows a new home loan 2 years after a pre-foreclosure sale (short sale) rather than 5 years after a foreclosure
- TAKE CONTROL OF THE PROCESS WITH DIGNITY
- List the property in your name
- Avoid the foreclosure, postings on the door, eviction, etc.
- The servicer will often delay the foreclosure, and eliminate the collection calls, to allow the property to sell
- REDUCE OR ELIMINATE POTENTIAL DEFICIENCY
- Deficiency from a short sale will always be less than a deficiency caused by a foreclosure due to the shortened time frames and reduced costs
- 1st mortgage holder often agrees to waive pursuing any deficiency, and often will contribute proceeds from sale to gain cooperation and reduce 2nd mortgage deficiency
- POSSIBLY QUALIFY FOR ALLOWANCES OR INCENTIVES PAID AT CLOSING
- May qualify for a moving allowance
- May qualify for cooperation incentives
Please visit my
AZ Short Sale page for a"Question and Answer"
Page regarding the options available to you in today's market.
| Benefits of my services: |
In conjunction with being an expert negotiator I have established relationships with national lenders, real estate companies, and title companies that allows me to provide a full service value added solution. I handle every detail when negotiating short sale approval, giving sellers and agents freedom from hours on hold and real estate agents the time to remain productive and profitable. Below are some of the services I provide when I am a part of your team:
- Negotiation of short sale approval with existing lien holders
- Management of Real Estate Agents to establish a listing price acceptable to your lender and designed to get offers quickly
- Completion and submission of the short sale package directly to the servicers(s) for approval
- Up-to-the-minute status reports available to agents, buyers, sellers, servicers(s) and escrow officer
- I am able to negotiate with lien holders without emotional attachment
- Exceptional service with dedicated staff to handle each step of the short sale process
- Attentive, professional and always personally available to answer questions and guide your transaction to closing
I handle the entire process so you don’t have to.
**Please call me at (623)225-0436 for a
promises here !!
