Call the Lender
You may need to make a few phone calls before you find the person responsible for handling short sales. You do not want to talk to the customer service or collections. Request the contact number for their short sale department or loss mitigation.

Submit Letter of Authorization
Lenders typically do not want to disclose any of your personal information without written authorization to do so. If you are working with a real estate agent, closing agent, title company or lawyer, you will receive better cooperation if you write a letter to the lender giving the lender permission to talk with those specific interested parties about your loan. The letter should include the following:

• Property Address
• sellers names
• Loan Reference Number
• email address
• The Date
• Some lenders require a 4 digit password
• Your Agent's Name & Contact Information

Preliminary Net Sheet (HUD1)
This is an estimated closing statement that shows the sales price you expect to receive and all the costs of sale, unpaid loan balances, outstanding payments due and late fees, including real estate commissions, if any. Your closing agent or lawyer should be able to prepare this for you if you do not know how to calculate any of these fees. If the bottom line shows cash to the seller, you will probably not need a short sale.

Hardship Letter
The sadder, the better. This statement of facts describes how you got into this financial bind and makes a plea to the lender to accept less than full payment. Lenders are not inhumane and can understand if you lost your job, were hospitalized or a truck ran over your entire family, but lenders are not particularly empathetic to situations involving dishonesty or criminal behavior. Make sure the letter is not more then 1 page in length.

Proof of Income and Tax returns
Lenders will want to know if you have savings accounts, money market accounts, stocks or bonds, negotiable instruments, cash or other real estate or anything of tangible value. Lender are not in the charity business and often require assurance that the debtor cannot pay back any of the debt that it is forgiving.

Copies of Bank Statements
If your bank statements reflect unaccountable deposits, large cash withdrawals or an unusual number of checks, it's probably a good idea to explain each of those line items to the lender. In addition, the lender might want you to account for each and every deposit so it can determine whether deposits will continue.

Comparative Market Analysis
Sometimes markets decline and property values fall. If this is part of the reason that you cannot sell your home for enough to pay off the lender, this fact should be substantiated for the lender through a comparative market analysis(CMA). Your real estate agent can prepare a CMA for you, which will show prices of similar homes

Active on the market, Pending sales 
closed sales from the past six months.

Purchase Agreement & Listing Agreement
When you reach an agreement to sell with a prospective purchaser, the lender will want a copy of the offer, along with a copy of your listing agreement. Be prepared for the lender to renegotiate commissions and to refuse to allow payment of certain items such as home protection plans or termite inspections.

Now if everything goes well, the lender will approve your short sale. As part of the negotiation, you might ask that the lender not report adverse credit to the credit reporting agencies, but realize that the lender is under no obligation to accommodate this request.

Remember every bank has different guidelines. Call and ask for their short sale package.

We have assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender approvals

www.ReMaxAnn.com

Orange County Short Sale Queen

Ann Urias (714) 588-7676

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist

Do You have a mortgage with Wachovia or Wells Fargo?

If so you may qualify for relocation assistance when you agree to short sale your home.

Assistance may range from $2500 to $25,000

See if You Qualify for a Short Sale

· Is your home upside down? (Your home is worth less than what you may owe on it.) 

· Have you been denied for a loan modification? 

· Do you have a hardship? (Things have happened where you find yourself struggling to make your mortgage payment or can't make it at all.) 

· Do you want to save your credit from a bankruptcy and/or foreclosure?

(Bankruptcy and/or foreclosure will damage your credit for 7 - 10 years)

· Have you missed any mortgage payments?

(Banks may approve a short sale if missed mortgage payments are inevitable)

· Do you need to relocate?

My Short sale services are free to homeowners!!!! Call to see if you qualify!!!

We have assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender approvals

www.ReMaxAnn.com

Orange County Short Sale Queen

Ann Urias (714) 588-7676

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist

We Help Homeowner's Avoid Foreclosure

Most Homeowner's are deeply below the surface with their home mortgage. In Southern California, there are over 12,323 currently facing foreclosure, so please believe me when I tell you that - You are not alone!

Most people fall behind for some of these major reasons:

• Loss of Job
• Divorce
• Cutbacks in Wages
• Death in family
• Relocation

These are all valid reasons for you to fall behind on your payment. I know that most of you would prefer to stay in your home, but if you have kept up with the news - Banks are not keeping their promises to the government to modify your loan.

There are people who would tell you to simply walk away. That is the worst thing that you can do. The reason is that you have left it up to the banks to decide what to do with the "Deficiency". Without having someone to negotiate in your behalf the complete settlement of your mortgage debt, you are giving the banks the OPTION to File a Deficiency Judgment up 4 years after you walked away.

The only thing to do if the bank files a judgment, years after you do not have the house, is to file Bankruptcy. Now you are hit with Double Whammy on your Credit. Bankruptcy after foreclosure is a Big No - No!!

Let Us Start Negotiating with Your Bank For FREE!!! 99% Short sale success rate and over 280 short sales closed!!!! List with an Expert

We have assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender approvals

www.ReMaxAnn.com

Orange County Short Sale Queen

Ann Urias (714) 588-7676

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist

Does the current economy have you caught between a rock and a hard place? We may have a FREE solution for you! ReMax Homes and Estates Short Sale division offers free counseling and short sale real estate services to home owners in financial Hardship. If you owe more than the value of your home we will work with your lender to negotiate a lower payoff amount on your home loans in order to get your home to a price range where it will sell in this depressed market.

„X Our services are completely free to all home owners
„X You do not have to be delinquent on your mortgage payments
„X You may qualify to receive up to $20,000 in relocation assistance
„X Your lender pays our fees, as well as ALL traditional sellers closing costs!
„X We will work to get you fully forgiven of your debt, regardless of what you owe on your home
„X You do not always have to be in Default or in foreclosure to have a short sale approved
„X We are NOT investors
„X We are California licensed and regulated real estate agents, who are here to serve your best interest¡¦s.
„X It is usually in your lenders best interests to accept a lower amount than you owe, as foreclosure proceedings cost an average of $50,000 plus the depreciation of the property.

If you are in financial hardship and must get your home sold, we would like to discuss your circumstances with you to see if you qualify for a short sale. It is not always the best option. Contact us today for a free, confidential, no obligation consultation!

We have assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender approvals

www.ReMaxAnn.com

Orange County Short Sale Queen

Ann Urias (714) 588-7676

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist

6 REASONS SHORT SALES GET DENIED

Offer is too low

Seller does not show a valid hardship

Property has multiple liens and any one of the lien holders will not accept the offered settlement amount

Incomplete Or Fraudulent Short Sale Package

Inaccurate Market Analysis/Appraisal/BPO

Incompetent Short Sale Agent

Don't Let Your Short Sale Fail! Educate Yourself And Choose An Experienced Short Sale Agent!

When short sales fail, it's the homeowner left holding the bag. Most likely, the homeowner will go into foreclosure, which is the last thing anybody wants.

Foreclosures devalue neighboring properties, cost banks tens of thousands of dollars, but most of all; a failed short sale will ruin your credit for 7-10 years, will cause you to lose your home, and will severely limit your access to credit for many years to come. List your home with an experienced short sale Realtor.

We have assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender approvals

www.ReMaxAnn.com

Orange County Short Sale Queen

Ann Urias (714) 588-7676

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist

 ARE YOU CONSIDERING DOING A SHORT SALE WITH ANY OF THE LENDERS LISTED BELOW?

 •·         GMAC, DITECH

 •·         CITI Mortgage

 •·         HSBC

 •·         LITTON

 •·         WACHOVIA

 •·         EMC

 •·         AURORA LOAN SERVICING

 •·         Bank of America

 •·         AHMSI

 •·         WELLS FARGO

 •·         SELECT PORTFOLIO SERVICING

We have assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender approvals

 www.ReMaxAnn.com

Orange County Short Sale Queen

Ann Urias (714) 588-7676

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist

Do You have a mortgage with Wachovia or World Savings?

Do you want to short sale your home?

If you answered YES then you will receive a minimum of $3000.00 at close of escrow and it doesn't cost you a dime to short sale!!!!!

This is a limited time offer by Wachovia and World Savings bank...........

Hurry and call now to short sale your home and receive 3k

I have direct contacts with these lenders.

We have a 99% success rate and we have closed over 280 short sales.

Interested contact Ann at 714.588.7676 or go to www.ReMaxAnn.com

We have assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender approvals

www.ReMaxAnn.com

Orange County Short Sale Queen

Ann Urias (714) 588-7676

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist

If you are in a situation where:

·  You lost your job

·  Your Medical Expenses are too high

·  Just went through/going through a divorce

·  You are behind on your payments

·  You have no equity

·  You can't afford the cost of selling your home

·  You need to relocate

·  Loss of income

 Nobody wants to lose their house. Foreclosure can be devastating to your credit. It can also lead to the bank filing a deficiency judgment against you and garnishing your wages in order to collect unpaid debt for you loan.

 A short sale will help you:

•·         Avoid Foreclosure

•·         Avoid Bankruptcy

•·         Protect your credit

•·         Postpone your foreclosure sale date

•·         You may qualify for cash assistance 

  BE FREE of financial and emotional burdens!

 ReMax Homes & Estates Short Sale Division

We are licensed Realtors® and "certified short sale specialists" that help people avoid foreclosure. We will review your situation and help you determine what might be best for you. If you qualify for a loan modification then we can help you save your home. If you do not qualify for a loan modification then we can help you with selling your home. Either way we can help lift much of the financial burden off your shoulders, Avoid Foreclosure, and save your credit.

We have assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender approvals

www.ReMaxAnn.com

Orange County Short Sale Queen

Ann Urias (714) 588-7676

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist

Huntington Beach short sale for $250k

town house
2 bed room
1.5 bath
1 attached car garage
approx 1000 sq ft
end unit
tons of guest parking

cross streets Talbert and Newland

Located in a great area!!! Interested call or email me

www.remaxann.com


lic # 01451803

Your Huntington Beach Short Sale Specialist <!-- START CLTAGS -->

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist

Do You have a mortgage with Wachovia or Wells Fargo?

If so you may qualify for relocation assistance when you agree to short sale your home.

Assistance may range from $2500 to $25,000


See if You Qualify for a Short Sale

· Is your home upside down? (Your home is worth less than what you may owe on it.)

· Have you been denied for a loan modification?

· Do you have a hardship? (Things have happened where you find yourself struggling to make your mortgage payment or can't make it at all.)

· Do you want to save your credit from a bankruptcy and/or foreclosure?

(Bankruptcy and/or foreclosure will damage your credit for 7 - 10 years)

· Have you missed any mortgage payments?

(Banks may approve a short sale if missed mortgage payments are inevitable)

· Do you need to relocate?


My Short sale services are free to homeowners!!!! Call to see if you qualify!!!


We have assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender approvals

www.ReMaxAnn.com

Orange County Short Sale Queen

Ann Urias (714) 588-7676

Aliso Viejo short sales, Anaheim short sales, Anaheim Hills short sales, Brea short sales, Corona Del Mar short sales, Costa Mesa short sales, Coto De Caza short sales, Dana Point short sales, Fullerton short sales, Foothill Ranch short sales, Fountain Valley short sales, Garden Grove short sales, Huntington Beach short sales, Irvine short sales, Ladera Ranch short sales, Laguna Beach short sales, Laguna Hills short sales, Laguna Niguel short sales, Lake Forest short sales, Mission Viejo short sales, Newport Beach, short sales Newport Coast short sales, Orange short sales, Orange hills short sales, Rancho Santa Margarita short sales, San Clemente short sales, San Juan Capistrano short sales, Santa Ana short sales, Tustin short sales, Tustin Ranch short sales, Westminster short sales, orange county short sales, foreclosure specialist