Confused? Is a Short Sale Right for You? – Orange County Short Sale Specialist - 11/29/10 06:46 PM
RE/MAX Homes & Estates Short Sale | Pre-Foreclosure Division
  
Hello, my name is Ann and I am here to help see if you qualify for a Short Sale but first ask yourself a couple questions.....
Are you 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
•·         Your income has been reduced
I CAN HELP YOU! It's easy and doesn't cost you any MONEY!
… (0 comments)

Not Sure if you want to Short Sale? - Orange County Short Sale Specialist - 11/29/10 06:44 PM
Short Sale is a great option to avoid Foreclosure and it is absolutely FREE to the homeowner!!
 
What is a Short Sale?
A short sale, also called "Short Pay" or "Pay Off", is a transaction that allows for the sale of a property for an amount that is less than the amount that is owed to the lender. The bank in return may accept the proceeds as full settlement of the debt.
  
What is Foreclosure?
Foreclosure is a process in which the estate becomes the absolute property of the lending institution. It is a termination of all rights of … (0 comments)

STOP Foreclosure with a Short Sale – Orange County Short Sale Specialist - 11/29/10 06:43 PM
What Causes A Short Sale?
Sometimes a short sale is brought about because the homeowner borrowed more than he/she could afford to pay back and miscalculated his/her financial status. Often, the short sale arises because of an unforeseen change in the homeowner's life, such as a long-term illness, disability, divorce or loss of employment, which has dramatically affected the person's income such that the mortgage payments are no longer affordable
 
What are the Benefits of a Short Sale?
When a Short Sale is achieved, there will not be a foreclosure.  A Foreclosure damages credit up to 7 years and bankruptcy … (0 comments)

Short Sale, Avoid Foreclosure-Orange County Short Sale Specialist - 11/29/10 06:42 PM
•·         Are Your Mortgage Payments Too High?
•·         Do You Want Lenders to Stop Calling?
•·         Do You owe More Than Your House is Worth?
•·         Do You Want to Dispose of Your Debt?
•·         Want to Minimize Damage to Your Credit?
•·         Suffered Loss of Income?
•·         Your Mortgage Will Adjust Soon and You Cannot Afford Paying Skyrocketing Rate?
•·         Want to Sell Your House but There is Not Enough Equity?
•·         Do you want to avoid a Foreclosure and Get a Fresh Start?
If you answered yes to any of the questions, then a short sale might be right … (0 comments)

Stop Foreclosure and Save Your Home For Free!!- Orange County Short Sale Specialist - 11/29/10 06:40 PM
One way to stop a Foreclosure is a SHORT SALE.
 
A Short Sale is a transaction that allows for the sale of a property for an amount that is less than the amount that is owed to the lender. The bank in return may accept the proceeds as full settlement of the debt.
                   
REMAX Homes and Estates helps people decide if a short sale is right for them.
 
I have a 94% success rate and over 150 closed short sale transactions.
List with an experienced short sale Realtor.
 
My services are FREE to the homeowner.
 
Time … (0 comments)

Your Credit in a Foreclosure vs. a Short Sale – Orange County Short Sale Specialist - 11/22/10 07:08 PM
Know that sellers will take a bigger hit on their credit report by going through foreclosure than going through a Short Sale.Of course paying you mortgage with a few late payments and modifying your loan is the best course of action, however that topic is for a different blog.FICO score may sway towards the following:Foreclosure A hit of 200 to 300 points may occur within the 3 different credit bureaus. This means if a seller's FICO score before foreclosure was 720, it could dip lower than 300. The seller has to also consider the initial dings from the lates caused prior … (3 comments)

Do Not Foreclose you have Options!!! – Orange County Short Sale Specialist - 11/22/10 07:03 PM
Things Sometimes Can Go Very Wrong. And Losing Your Home To Foreclosure Isn't The Only Option You Have.
A "Short Sale" Could Be The Answer.
 
We Could Negotiate With Your Lender To Accept Less Than Your Payoff Amount Owed.  This Is Better Than Having A Foreclosure Or Bankruptcy On Your Credit History.  We get paid by the bank for our services.
 
Contact Ann at (714) 588-7676 for a free consultation. 
 
www.remaxann.com  for more info
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SHORT SALE YOUR HOME AND SAVE YOUR CREDIT FROM FORECLOSURE - ORANGE COUNTY SHORT SALE SPECIALIST - 11/22/10 07:01 PM
CALIFORNIA SHORT SALE REALTOR
List your home with Ann Urias at (714) 588-7676Facing Foreclosure?
Missed a couple of house payments?
NO EQUITY????
Whatever you do DO NOT GIVE UP and let the bank take back the house!!!
It does not matter if you are upside down on the home and have no equity!
We specialize in SHORT SALES where the bank will take a discounted settlement.
We are EXPERTS, and this will put you in a much better situation all around.
 FREE Consultation. We can only HELP you.
www.remaxann.com
 DO YOU HAVE MORE QUESTIONS BUT … (2 comments)

EXPERIENCED ORANGE COUNTY SHORT SALE SPECIALIST - FORECLOSURE ASSISTANCE - 11/22/10 06:55 PM
ORANGE COUNTY SHORT SALE SPECIALIST
DID YOU LIST YOUR HOME WITH AN AGENT WHEN THE MARKET WAS BETTER?DID YOU RECEIVE AN OFFER EARLY ON THAT YOU DIDN'T TAKE, IN HOPES TO GET MORE?DO YOU WISH YOU WOULD HAVE TAKEN THAT ORIGINAL OFFER?DID YOU REDUCE YOUR PRICE A COUPLE TIME THEN YOU REACHED YOUR BREAK EVEN AMOUNT?ARE YOU IN A POSITION WHERE YOU NEED TO COME UP WITH CASH YOU DO NOT HAVE AND YOU HAVE TO SELL YOUR HOME?YOU ARE NOT ALONE...
This market downturn is affecting thousands of Orange County Real Estate owners. If you have a legitimate hardship (loan adjustment, reduced income, too much … (0 comments)

List with an Experienced Orange County Short Sale Specialist - Realtor - 11/22/10 06:52 PM
RECENT SHORT SALE APPROVED NEGOTIATIONS
 
Loan Amount Owed          Negotiated Short Sale Amount
$ 1,500,000                             $ 1,050,000
$ 1,200,000                             $ 965,000
$ 980,000                                $ 830,000
$ 900,000                                $ 690,000
$ 950,000                                $ 720,000
$ 850,000                                $ 580,000
$ 720,000                                $ 460,000
$ 690,000                                $ 410,000
$ 650,000                                $ 470,000
$ 650,000                                $ 390,000
$ 630,000                                $ 490,000
$ 630,000                                $ 485,000
$ 580,000                                $ 420,000
$ 570,000                                $ 432,500
$ 580,000                                $ 370,000
$ 535,000                                $ 370,000
$ 520,000                                $ 305,000
$ 490,000                                $ 340,000
$ 480,000                                $ 303,000
$ 460,000                                $ 305,000
$ 430,000                                $ 290,000
$ 410,000                                $ … (0 comments)

SHORT SALE Q & A - SHORT SALE SPECIALIST - SHORT SALE REALTOR - 11/18/10 05:48 PM
FACTS ON SHORT SALES
Missed some mortgage payments?  Want to keep your home?  Is the bank about to put you into foreclosure?
WE CAN HELP YOU!
We will advise you of your options and may be able to help you stop the foreclosure and may even save your credit.
Default situations are time sensitive, trying to avoid dealing with the situation is simply unwise.
Let us try to provide you with the quality of life both you and your family should have.
For a FREE CONSULTATION call (714) 588-7676
FAQ's
What is a mortgage default?
A mortgage is considered … (0 comments)

Common Foreclosure Terminology - ORANGE COUNTY SHORT SALE REALTOR - 11/18/10 05:46 PM
Common Foreclosure Terminology
 
 AccelerateAn option given to lenders through an "acceleration" clause in the mortgage or deed of trust requiring the borrower to pay the entire balance of the loan all at once if their loan is in default.
  
  AffidavitA sworn statement in writing usually given while under oath or in the presence of a notary.
  
  AppraisalThe process in which a licensed or authorized person gives an estimate of property value.
  
 AppreciationThe difference between the increased value of the property and the original value.
  
AssignmentThe transfer of property to be held in … (0 comments)

Successful Short Sale Negotiator - Your Orange County Short Sale Specialist - 11/18/10 05:35 PM
What is a Short Sale?
A short sale, also called "Short Pay" or "Pay Off", is a transaction that allows for the sale of a property for an amount that is less than the amount that is owed to the lender. The bank in return may accept the proceeds as full settlement of the debt.
What is Necessary from a Successful Short Sale Negotiator?
• Sophisticated Financial Knowledge
• Strong relationships with lenders and Understanding the Lender's Language
• Proven Track Record
• Time, time and more time
• Accurate Paperwork
• Experience
• Legal Knowledge
• Negotiation Skills
• … (2 comments)

DO YOU QUALIFY FOR A SHORT SALE - YOUR ORANGE COUNTY SHORT SALE SPECIALIST - 11/18/10 05:31 PM
•·         Do you owe more on your property than its current Fair Market Value?
 
•·         Is there little equity and it is not enough to cover the agent commission costs and closing costs?
 
•·         Does the property need rehabilitation work on it before it will sell?
 
•·         Do you have a current or upcoming hardship that will force you to default?
 
•·         Are you behind on your mortgage?
 
•·         Are the banks calling you several times a day to collect on their loans?
 
•·         Do you want to stay in your home but aren't sure … (0 comments)

Your Credit in a Foreclosure vs. a Short Sale – Orange County Short Sale Specialist - 11/18/10 05:24 PM
Know that sellers will take a bigger hit on their credit report by going through foreclosure than going through a Short Sale.Of course paying you mortgage with a few late payments and modifying your loan is the best course of action, however that topic is for a different blog.FICO score may sway towards the following:Foreclosure A hit of 200 to 300 points may occur within the 3 different credit bureaus. This means if a seller's FICO score before foreclosure was 720, it could dip lower than 300. The seller has to also consider the initial dings from the lates caused prior … (0 comments)

Short Sale your property before considering Bankruptcy-OC Short Sale Specialist - 11/16/10 06:47 PM
RE/MAX Homes & Estates Short Sale | Pre-Foreclosure Division
Inform yourself of all the possible options before you may or may not consider bankruptcy. The consultation is absolutely free and confidential. Again, educate yourself of all of the possible pros and cons. Then you may choose the best options that will optimize your benefits for both you and your family. My name is Ann and I'm here to help...
www.remaxann.com for more info
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Can't refi? Late on your mortgage? – Orange County Short Sale Specialist - 11/16/10 06:42 PM
YOU'RE FACING FORECLOSURE! YOU'RE SHORT ON MONEY....
 
CAN'T REFI? NO EQUITY? NOT SURE WHAT TO DO?
 
I DO NOT WANT TO BUY YOUR HOME
I AM NOT AN INVESTOR
I AM NOT A LENDER
I AM NOT A BK LAWYER
BUT, I CAN HELP YOU
 
WE DO NOT CHARGE FOR ANY OF OUR SERVICES WE GET PAID BY YOUR LENDER
 
www.remaxann.com
 
CALL ANN (714) 588-7676 or E-MAIL ME
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Sued for a Deficiency Judgment After Foreclosure - Orange County Short Sale Expert - 11/15/10 06:59 PM
Deficiency Judgment after foreclosure
Although the topic of deficiency judgments has been on the Internet, it is one of the most commonly asked questions that homeowners have regarding losing their homes to foreclosure. One reason for this, of course, is the fact that home values have decreased nationwide, and foreclosure victims know that their properties will not sell at the county sheriff sale for an amount that will pay off the loan in full. Therefore, they are worried about having to pay the difference to the mortgage company, and the possibility of the lender suing them after foreclosure and going after … (2 comments)

California Deficiency Judgments- Orange County Short Sale Specialist - 11/15/10 06:55 PM
Deficiency judgments are major concerns for many homeowners who have decided to sell their home as a short sale. There are several key points worth noting that the article below discusses.
 
1. Lenders cannot pursue a deficiency judgment against a homeowner if the loan is a purchase money loan for a owner occupied property, that is, it was used to purchase the property.
 
2. Deficiency judgments cannot be obtained unless the property was acquired via a judicial foreclosure, which in California is very rare.
 
3. For a non-purchase money loan such as cash out refi or a home … (1 comments)

HAFA Qualifications – HAFA Short Sale Specialist - 11/15/10 06:50 PM
Do you know the rules and guidelines for the HAFA short sale program? Do you qualify? Unfortunately, not everyone does. To qualify, you must own a home that was purchased before the year 2009. In addition, you must be living in the home as your primary residence, and must have been previously considered for other foreclosure prevention options including loan modification.
 
Borrowers must also meet HAMP eligibility, but can be either delinquent or current on their mortgage payments. Even if current, the borrower must be able to demonstrate financial hardship.
 
Here are a few guideline questions to ask yourself … (0 comments)

Cash Back – HAFA Short Sale - Orange County Short Sale Specialist - 11/15/10 06:49 PM
Receive up to 3,000 for relocation expenses.
 
Short Sale
A short sale, also known as a pre-foreclosure sale, is the sale of a property for less than the balance remaining on the mortgage loan secured by the property. With a short sale, the mortgage lender agrees to release its mortgage lien on the property when it receives the proceeds of the sale of the property, even though the proceeds are less than the mortgage loan balance. Benefits to you may include:
 
·Avoiding foreclosure
· Satisfying the outstanding balance on your Loan
·Receiving a cash payment in the amount … (0 comments)

HAFA CERTIFIED Short Sale Expert – Orange County Short Sale Specialist - 11/15/10 06:43 PM
1- Pre-determined cash incentives to both the Homeowners and Mortgage Bank servicer. Up to $3000.00 to the home owner for relocation expense
 
2- Listing Agent and Homeowner to receive pre-approved short sale pricing guidelines and terms prior to listing the property for sale.
 
3- Mortgage Banks are required to release the Homeowner from current and future mortgage debt liability.
 
4- The Short Sale must be an "Arms Length" transaction, meaning no relative can be a buyer, nor can an investor buyer offer to sell the home back to original homeowner.
 
5- The US Treasury department is to … (1 comments)

Is a Short Sale Right for You? – Orange County Short Sale Specialist - 11/10/10 06:23 PM
•·         Are Your Mortgage Payments Too High?
•·         Do You Want Lenders to Stop Calling?
•·         Do You owe More Than Your House is Worth?
•·         Do You Want to Dispose of Your Debt?
•·         Want to Minimize Damage to Your Credit?
•·         Suffered Loss of Income?
•·         Your Mortgage Will Adjust Soon and You Cannot Afford Paying Skyrocketing Rate?
•·         Want to Sell Your House but There is Not Enough Equity?
•·         Do you want to avoid a Foreclosure and Get a Fresh Start?
If you answered yes to any of the questions, then a short sale might be right … (0 comments)

Is Your Mortgage Late? Not sure what to do? – OC Short Sale Specialist - 11/10/10 06:20 PM
Have you tried negotiating with your bank and been ignored or insulted?
Are you facing foreclosure or upside down?
I can HELP you.......
I negotiate with the banks to find the best solution for you. In fact, most lenders prefer to work with professionals. I take each homeowner's situation seriously and I am driven to negotiating a real solution.
Contact me ASAP to find out if a Short Sale is the best option for you!!
www.remaxann.com for more information.
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Avoid Foreclosure!!-Short Sale Your Home –OC Short Sale Specialist - 11/10/10 05:21 PM
What is a Short Sale?
A short sale, also called "Short Pay" or "Pay Off", is a transaction that allows for the sale of a property for an amount that is less than the amount that is owed to the lender. The bank in return may accept the proceeds as full settlement of the debt.
What is Foreclosure?
Foreclosure is a process in which the estate becomes the absolute property of the lending institution. It is a termination of all rights of the homeowner covered by a mortgage.
TIME is very important....Contact me to see if you qualify!
www.remaxann.com for more … (0 comments)

A Short Sale Can HELP – Orange County Short Sale Specialist - 11/10/10 05:11 PM
A Short Sale Can HELP Regardless of your Circumstance
Should I consider a Short Sale?
•·         Do you want Lenders to stop calling you?
•·         Do you owe more than your house is worth?
•·         Do you want to dispose of debt?
•·         Want to minimize damage to your credit?
•·         Suffered loss of income?
•·         Want to sell your house but there is not enough equity?
•·         Do you want to AVOID a FORECLOSURE and get a fresh start?
 
I can help you prevent the downgrading of your credit score while providing you A FRESH START......
www.remaxann.com for more … (0 comments)

Is a Short Sale the Best Option – OC Short Sale Specialist - 11/10/10 05:08 PM
•·         Are You In a Default Situation?
•·         Are You Facing Back House Payments?
•·         Do You Need To Sell ASAP?
•·         Do You Have Little Or No Equity In Your Home?
•·         Do You Owe More Than Your Home Is Worth?
•·         Do You have a Notice of Default?
•·         Do You have a sale date?
 
A short sale is when a lender accepts a discount on a mortgage to avoid a possible foreclosure auction or bankruptcy.
My Services are FREE...but don't Wait...Get The Help You Need... NOW.!!!
 www.remaxann.com  for more info
 
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Stop Foreclosure and Save Your Home For Free!!- Orange County Short Sale Specialist - 11/08/10 04:59 PM
One way to stop a Foreclosure is a SHORT SALE.
 
A Short Sale is a transaction that allows for the sale of a property for an amount that is less than the amount that is owed to the lender. The bank in return may accept the proceeds as full settlement of the debt.
                   
REMAX Homes and Estates helps people decide if a short sale is right for them.
 
I have a 94% success rate and over 150 closed short sale transactions.
List with an experienced short sale Realtor.
 
My services are FREE to the homeowner.
 
Time … (0 comments)

California Deficiency Judgments- Orange County Short Sale Specialist - 11/08/10 04:53 PM
Deficiency judgments are major concerns for many homeowners who have decided to sell their home as a short sale. There are several key points worth noting that the article below discusses.
 
1. Lenders cannot pursue a deficiency judgment against a homeowner if the loan is a purchase money loan for a owner occupied property, that is, it was used to purchase the property.
 
2. Deficiency judgments cannot be obtained unless the property was acquired via a judicial foreclosure, which in California is very rare.
 
3. For a non-purchase money loan such as cash out refi or a home … (0 comments)

Stressed out about your mortgage? Orange County Short Sale Specialist - 11/08/10 03:54 PM
YOU'RE FACING FORECLOSURE! YOU'RE SHORT ON MONEY....
 
CAN'T REFI? NO EQUITY? NOT SURE WHAT TO DO?
 
NEED HELP AND DON'T KNOW WHERE TO TURN?
 
NOT SURE IF YOU QUALIFY FOR A SHORT SALE....
 
DO YOU WANT TO BE STRESS FREE......I CAN HELP!!!
 
Time is of the essence!!!!!!!!!
 
 
WE DO NOT CHARGE FOR ANY OF OUR SHORT SALE SERVICES WE GET PAID BY YOUR LENDER
 
www.remaxann.com
 
CALL ANN (714) 588-7676 or E-MAIL ME Buyshortsales@gmail.com
 
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Short Sale your home, up to $5,000 cash back - Orange County Short Sale Specialist - 11/08/10 03:53 PM
See if you Qualify for a HAFA Short Sale
 
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?
Have you been denied for a loan modification?
Going through a divorce
Medical issues
 
My Short sale services are … (0 comments)

REQUIREMENTS OF A SHORT SALE PACKAGE - ORANGE COUNTY SHORT SALE SPECIALIST - 11/08/10 03:26 PM
All of the documentation needed to start a short sale is commonly called a "Short Sale Package" and is usually submitted by the investor interested in the property, the Realtor representing the seller, or the seller of the property. The package usually includes the following items:
Sample Short Sale Package (items may vary depending upon the lender):
•·  Cover Letter
•·  Authorization to Release Information
•·  Sellers Hardship Letter
•·  Seller's Financial information
•·  two years of current W-2's
•·  One month of current pay stubs
•·  two months of most recent bank statements
•·  Supporting Hardship Info - HOA liens, medical/disability statements … (1 comments)

Experienced California Short Sale Specialist – Orange County Short Sale Specialist - 11/08/10 03:23 PM
Facing Foreclosure?
Missed a couple of house payments?
NO EQUITY????
Whatever you do DON'T GIVE UP and let the bank take back the house!!!
Does not matter if you are upside down in the house and have no equity!
We specialize in SHORT SALES where the bank will take a discounted settlement.
We ARE experts, and this will put you in a much better situation all around.
 FREE Consultation. We can only help you.
www.remaxann.com  for more info
 
#01451803
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Short sale questions buyers should ask - Orange County Short Sale Specialist - 11/04/10 07:02 PM
            Qualify Your Short Sale Before Writing the Offer
Before you decide to buy a short sale property, ask your agent to do a little groundwork first.  
Examine the Comparable Sales Many banks will discount the price a little bit from market value, but to get an acceptance, offers should be reasonable and close to the comparable sales.
 
Check Out the Short Sale Listing Agent's Track Record If the short sale listing agent has very few short sale listings and has little experience actually closing a short sale, your chances of offer acceptance may be slim.
 
Ask How Many … (1 comments)

Why Should I Choose a Short Sale? – Orange County Short Sale Specialists - 11/04/10 06:56 PM
Why Should I Choose a Short Sale?
A Short Sale can be one of the best options for you when facing foreclosure. A Short Sale allows the homeowner to sell the property and remove the secured debt associated with the home. You as the seller can walk away from the sale with significantly less damage than a foreclosure.
A homeowner who decides to Short Sale their property typically experiences less impact to his/her credit. There are no upfront fees or costs associated with the Short Sale. Your lender or the buyer pays for all fees including, closing costs, escrow fees and … (0 comments)

4 ways to search for a Short Sale Specialist - California short sale Realtor - 11/04/10 06:48 PM
Searching for a California Short Sale Listing Agent
 
Due to rising numbers of foreclosures and short sales in certain parts of the country since 2006, many real estate agents have decided to market themselves as short sale specialists. Some of those agents have little or no short sale experience.
 
Here are 4 ways to find a short sale listing agent:
 
•·         Referrals From Family / Friends
In some areas, foreclosures are ubiquitous and more the norm than a regular sale. Sellers may already know someone who successfully closed a short sale, and that seller is an excellent source … (0 comments)

8 REASONS TO SHORT SALE YOUR HOME- OC SHORT SALE SPECIALIST - 11/04/10 06:33 PM
Top Eight Reasons to Short Sale 
1. You pay no out of pocket expenses. All short sales are sold as-is, meaning you won't have to bother spending time and money on tedious home repairs. Your lender also pays for all commissions and services on both sides of the transaction, giving you the least hassle possible in moving on to your next home.
2. Your credit damage is minimized. A short sale will have a recoverable impact of 80-100 points on one's credit, compared to the devastating effect of 250-350 points a foreclosure has on a credit score.
3. You can … (0 comments)

Thinking of Short Selling? – Orange County Short Sale Specialists - 11/04/10 06:31 PM
The short sale process can be very complicated, one that requires patience, persistence and a great deal of experience. Most lenders prefer to work with Realtors who have mastered the intricacies of the short sale process. We have a proven track record and will PROTECT your interests, financial information and documentation at all times.
Our first priority is to verify that you qualify for short sale and that it fits your particular situation. Take advantage of our confidential short sale consultation with one of our short sale specialists.
Our Orange County Short Sale Realtors are easy to talk to and have … (0 comments)

Orange County Short Sale Specialist – Free Short Sale Services - 11/01/10 06:40 PM
RE/MAX Homes & Estates
Pre-Foreclosure Division
(714) 588 -7676 ∙  www.remaxann.com
 
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
•·         Your income has been reduced
•·         You are in foreclosure
 
WE CAN HELP YOU! It's easy and doesn't cost you any MONEY! Our services are Free!!!
 
WHEN THE DEBT EXCEEDS YOUR HOME'S VALUE... we can help with a … (0 comments)

Short Sale your Home and Avoid Foreclosure – Orange County Short Sale Specialist - 11/01/10 06:36 PM
What Causes A Short Sale?
Sometimes a short sale is brought about because the homeowner borrowed more than he/she could afford to pay back and miscalculated his/her financial status. Often, the short sale arises because of an unforeseen change in the homeowner's life, such as a long-term illness, disability, divorce or loss of employment, which has dramatically affected the person's income such that the mortgage payments are no longer affordable.
 
What are the Benefits of a Short Sale?
When a Short Sale is achieved, there will not be a foreclosure.  A Foreclosure damages credit up to 7 years and bankruptcy … (0 comments)

When Should I Begin The Short Sale Process? – Orange County Short Sale Specialist - 11/01/10 06:34 PM
A Short Sale process should begin immediately.
 
Foreclosures and Short Sales are extremely time sensitive and consuming for negotiations. The sooner we can begin the negotiations with your lender, the greater the chances of a successful resolution. There is no need to wait until the lender sends you a notice of default or initiates formal foreclosure proceedings against you.
 
My services are FREE to the homeowner.
 
Time is of the essence!
 
Contact Ann ASAP for questions and answers to see if a short sale is the best option for you!
www.remaxann.com
 
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Is Your Mortgage Late? Not sure what to do? – OC Short Sale Specialist - 11/01/10 06:33 PM
Have you tried negotiating with your bank and been ignored or insulted?
Are you facing foreclosure or upside down?
I can HELP you.......
I negotiate with the banks to find the best solution for you. In fact, most lenders prefer to work with professionals. I take each homeowner's situation seriously and I am driven to negotiating a real solution.
Contact me ASAP to find out if a Short Sale is the best option for you!!
www.remaxann.com for more information.
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Do you have to be past due on your mortgage to do a short sale? - OC Short Sale Specialist - 11/01/10 06:30 PM
ANSWER:
It depends on your lender
Here are a few banks that will allow you to do a short sale without being delinquent.
•·         Countrywide
•·         Wachovia
•·         Wells Fargo
Please remember that if you are doing a short sale and you are not currently delinquent the bank has no rush to approve your short sale. It could take 6 months to get it approved.
For more info on short sales go to www.remaxann.com  
List with an experienced Short Sale Realtor
 
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Ann Urias

Irvine, CA

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Aston Group - Excellence through Experience

Address: 8 WHATNEY 100 , IRVINE, CA, 92618

Office Phone: (714) 588-7676

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