SHORT SALE your home before Foreclosure _ OC Short Sale Specialist - 12/30/11 05:57 PM
Inform yourself of all of the possible pros and cons of "short paying" your home. So you may choose the best options that will optimize your benefits for both you and your family. Save your credit and look for a better future with the help of RE/MAX. Hello, my name is Ann and I am from the Short Sale | Pre-Foreclosure Division. Our consultation is absolutely FREE and confidential. We are here to help and our services will show that...
www.remaxann.com for more info
 #01451803
… (0 comments)

4 ways to search for a Short Sale Specialist _ California short sale Realtor - 12/30/11 05:50 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)

9 Reasons_to Short Sale your home from your Orange County Short Sale Realtor - 12/30/11 05:37 PM
Top nine 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 buy another … (2 comments)

Short sale Bank of America _Bank of America Short Sale Specialist - 12/29/11 06:43 PM
See if You Qualify for a Short Sale
 
you have a hardship, such as a job loss, divorce, job relocation, increased debt or medical you owe more than your house is worth you're unable to afford your current monthly mortgage payment you're unable to modify your current home loan You do not have to be delinquent on your mortgage to short sale A short sale will help you:
Avoid Foreclosure Avoid Bankruptcy Protect your credit Postpone your foreclosure sale date You may qualify for cash assistance ReMax Homes & Estates Short Sale Division We are licensed Realtors® and "certified short sale specialists" … (0 comments)

RECEIVE A MINIMUM OF 3K ON WACHOVIA AND WORLD SAVINGS SHORT SALES _ SHORT SALE EXPERT - 12/29/11 06:28 PM
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
… (0 comments)

Wells Fargo & Wachovia Short Sale Specialist _ Short Sale Specialist - 12/29/11 06:21 PM
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 … (0 comments)

List your home with your Orange County Short Sale Realtor _ Short Sale Expert - 12/29/11 06:13 PM
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 … (0 comments)

HAFA Qualifications – your HAFA Short Sale Specialist - 12/28/11 05:28 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 … (1 comments)

Cash Back – HAFA Short Sale - Your Short Sale Specialist - 12/28/11 05:24 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 – Your Short Sale Specialist - 12/28/11 05:16 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 … (0 comments)

Is Your Mortgage Late? Not sure what to do? – Your Short Sale Specialist - 12/27/11 04:47 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.comfor more information.
#01451803
… (0 comments)

When Should I Begin The Short Sale Process? – Short Sale Specialist - 12/27/11 04:43 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
 
#01451803
… (0 comments)

Experienced California Short Sale Specialist – Your Orange County Short Sale Specialist - 12/27/11 04:06 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
… (0 comments)

Orange County Short Sale Specialist – Free Short Sale Services - Short Sale Expert - 12/27/11 04:00 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 … (0 comments)

Loan modification just got denied? Trust deed sale date? You do have options - Short Sale Specialist - 12/27/11 03:55 PM
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.)
*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? *Do you need to relocate? Have you been denied for a loan modification?
You may qualify for up to … (0 comments)

Sued for a Deficiency Judgment After Foreclosure - Orange County Short Sale Experts - 12/23/11 06:08 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 … (1 comments)

Have you considered a Short Sale? – Orange County Short Sale Specialists - 12/23/11 05:30 PM
Inform yourself of all of the possible pros and cons of "short selling" your home.

So you may choose the best options that will optimize your benefits for both you and your family.

Save your credit and look for a better future with the help of RE/MAX Homes and Estates.Hello, my name is Ann and I am from the Short Sale | Pre-Foreclosure Division of Re/Max.

Our consultation is absolutely FREE and confidential. We are here to help and our services will prove it….

All of our short sale services are free to the home owners. … (0 comments)

FREE Short Sale help for Homeowners – Orange County Short Sale Specialists - 12/23/11 05:16 PM
For all the homeowners who are upside down and can no longer make their mortgage payment (because of either a job loss, divorce, or an option ARM that’s adjusting higher), up to now the only option was, letting the bank foreclose. That’s not a good option, a foreclosure sticks on your credit report for at least 7 years.
 
If you want to:
 
·         End the stress
·         Take control of your financial situation
·         Eliminate the burden of an unpayable mortgage
·         Avoid foreclosure
·         Protect your credit
·         Wipe the slate clean and get a fresh start
·         … (0 comments)

9 Reasons, to Short Sale your home from your Orange County Short Sale Realtor - 12/22/11 05:58 PM
Top nine 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 buy another … (3 comments)

California Deficiency Judgments- Orange County Short Sale Specialists - 12/22/11 05:53 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 … (0 comments)

HAFA Qualifications – HAFA Short Sale Specialists - 12/22/11 05:47 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 … (0 comments)

Cash Back – HAFA Short Sale - Orange County Short Sale Specialists - 12/22/11 05:40 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 of … (0 comments)

HAFA CERTIFIED Short Sale Expert – Orange County Short Sale Specialists - 12/22/11 05:25 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 share the cost of … (1 comments)

Successful Short Sale Negotiator - Orange County Short Sale Specialists - 12/21/11 05:26 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
… (0 comments)

DO YOU QUALIFY FOR A SHORT SALE - ORANGE COUNTY SHORT SALE SPECIALISTS - 12/21/11 05:11 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 if you can?
·         Do … (0 comments)

SHORT SALE Q & A - SHORT SALE SPECIALISTS - SHORT SALE REALTOR - 12/21/11 05:03 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)

Is Your Mortgage Late? Not sure what to do? – OC Short Sale Specialists - 12/20/11 03:49 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.comfor more information.
#01451803
… (0 comments)

Short Sale Specialists - Orange County Short Sale Specialists - 12/20/11 03:26 PM
Did you know?
99% of homeowners do not realize that it is not too late to stop the foreclosure and work out a win-win situation for both the bank and themselves. In most cases, your bank does not want to foreclose on your home.  I provide options and alternatives that postpone or even stop your auction entirely!  One option is a short sale in which I negotiate with your bank to allow you to sell your home fast and below market value, even if you owe more than the home is worth.
 
My Mission
To be the most ethical and professional solution for homeowners while … (0 comments)

Experienced California Short Sale Specialist – Short Sale Specialist - 12/20/11 03:09 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
 
… (0 comments)

A Short Sale CAN and WILL HELP - Orange County Short Sale SpecialistS - 12/19/11 05:56 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 occurs when a property is sold and the lender agrees to accept a discounted payoff, meaning the lender will release the lien that is secured to the property upon receipt of less money than is actually owed.
WE DO NOT CHARGE FOR ANY OF OUR SHORT … (0 comments)

Just reduced 1 bed room 1 bath bank owned condo in Anaheim CA 95k - Anaheim Realtor - 12/17/11 02:21 PM

 

 
Hurry just reduced and is way under comps!!! 1 bed 1 bath 750 sq ft condo in Anaheim for 95k
condo rents for 1050 a month
great for investors!!!
 
9166 Cerritos Anaheim CA $95K
www.remaxann.com  for more info
 
lic # 01451803
… (1 comments)

Just Reduced 4 bed room short sale in Fullerton CA - $319,000 - Fullerton short sale Realtor - 12/17/11 02:10 PM

Nice cozy 3 bed room 2 bath in nice area of Fullerton. There is a studio room with kitchen/cabinets/closets/bathroom with shower in the backyard (detached from the house) - Great extra room for guests or extra income
1250 sq ft living space  7100 sqft lot
address 201 Mission Fullerton CA
www.remaxann.com to get more info
 
lic # 01451803
 
… (3 comments)

JUST REDUCED 3 BED ROOM HOME IN ANAHEIM CA $339900K - 12/17/11 01:59 PM
3
 
BED ROOM 2 BATH 1360 SQ FT LOT 7326 SQ FT 2 CAR GARAGE - ASKING $339,900K
 
1849 S GAIL ANAHEIM CA
 
WWWW.REMAXANN.COM FOR MPRE INFO
 
LIC #01451803
… (3 comments)

SHORT SALE BANKS THAT HAVE QUICK TURN AROUND - OC Short sale Realtor - 12/16/11 05:32 PM
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 can help and these banks have quick turn around times. You can go to www.remaxann.com for more info or Call me direct at (714) 588-7676.
 
RE/MAX HOMES AND ESTATES SHORT SALE DIVISION
We have a 99% success rate, list your short sale  with a professional!!!!
#01451803
 
… (0 comments)

Your Credit in a Foreclosure vs a Short Sale – Orange County Short Sale Specialist - 12/16/11 05:26 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 … (0 comments)

STOP Foreclosure with a Short Sale – Orange County Short Sale Specialists - 12/15/11 04:08 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 up … (0 comments)

Benefits of a Short Sale – Orange County Short Sale Specialists - 12/15/11 03:51 PM
When a Short Sale is achieved, there will not be a foreclosure.  A Foreclosure damages credit up to 7 years and bankruptcy up to 10 years.  Many experts believe that a foreclosure is much worse than a bankruptcy.
 
Banks know that they would never be able to make up the entire amount of the mortgage if the property was taken all the way through foreclosure, so they are also more willing to negotiate a reasonable price when markets are declining. Although selling at a short sale does not directly save the home and allow the owners to continue living there, … (0 comments)

Confused? Is a Short Sale Right for You? – Orange County Short Sale Specialists - 12/15/11 03:42 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 … (0 comments)

Not Sure if you want to Short Sale? - Orange County Short Sale Specialists - 12/15/11 03:33 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 and Save Your Home For Free!!- Orange County Short Sale Specialists - 12/15/11 03:25 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 99% success rate and over 280 closed short sale transactions.
List with an experienced short sale Realtor.
 
My services are FREE to the homeowner. … (0 comments)

Avoid Foreclosure with a Short Sale -Orange County Short Sale Specialist - 12/14/11 05:59 PM
Inform yourself of all of the possible pros and cons of "short paying" your home. So you may choose the best options that will optimize your benefits for both you and your family. Save your credit and look for a better future with the help of RE/MAX. Hello, my name is Ann and I am from the Short Sale | Pre-Foreclosure Division. Our consultation is absolutely FREE and confidential. We are here to help and our services will prove it...
Don’t let time run out!
Find out if you qualify for a Short Sale today! (714) 588-7676
www.remaxann.com for more info
… (0 comments)

Short Sale your property before considering Bankruptcy - OC Short Sale Specialist - 12/14/11 05:54 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
#01451803
… (0 comments)

Can't refi? Late on your mortgage? – Orange County Short Sale Specialists - 12/14/11 05:49 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
#01451803
 
… (0 comments)

DEFICIENCY JUDGMENTS IN A SHORT SALE - SHORT SALE SPECIALIST - 12/13/11 04:59 PM
Definition - Recourse vs. Non recourse Loans
In California, most first and second loans that are used to purchase a owner occupied residence are non recourse, but loans from refinancing a previous mortgage, equity loans and lines of credit are usually recourse. A recourse loan means that the debtor may remain personally liable for the debt even after a short sale or foreclosure.
 
DEFICIENCY JUDGMENTS
If you have a recourse loan, the lender may still come after you for the balance of your loan even after a foreclosure or short sale. If possible, attempt to get the bank to … (0 comments)

Thinking of Short Selling?? – Orange County Short Sale Specialists - 12/13/11 04:49 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)

Why Should I Choose a Short Sale?? – Orange County Short Sale Specialists - 12/13/11 04:40 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 … (1 comments)

SHORT SALE your home, before Foreclosure – Short Sale Specialist - 12/12/11 04:44 PM
Inform yourself of all of the possible pros and cons of "short paying" your home. So you may choose the best options that will optimize your benefits for both you and your family. Save your credit and look for a better future with the help of RE/MAX. Hello, my name is Ann and I am from the Short Sale | Pre-Foreclosure Division. Our consultation is absolutely FREE and confidential. We are here to help and our services will show that...
www.remaxann.com for more info
 #01451803
… (0 comments)

Successful Short Sale Negotiator - Your Short Sale Specialist - 12/12/11 04:13 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
• … (0 comments)

Guide to help you, through a Short Sale - SHORT SALE HELP FOR SELLERS - 12/12/11 03:51 PM
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 … (0 comments)

A SHORT SALE MAY BE THE BEST OPTION – SHORT SALE SPECIALIST - 12/12/11 03:16 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... For answers to some of your questions you may access my website www.remaxann.com
We have a 99% success rate and have closed over 280 Short Sales.
List with an experienced short sale realtor.
… (0 comments)

Benefits of a Short Sale - OC Short Sale Assistance - Free short sale services - 12/12/11 03:01 PM
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 … (0 comments)

List your home with your Orange County Short Sale Realtor _Short Sale Specialist - 12/09/11 04:31 PM
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 … (0 comments)

6 Reasons Short Sales get DENIED - Orange County Short Sale Realtor - 12/09/11 04:21 PM
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, … (0 comments)

9 Reasons to Short Sale your home _ Your Orange County Short Sale Realtor - 12/09/11 04:18 PM
Top nine 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 buy another … (0 comments)

Short sale questions buyers should ask - Short Sale Specialist - 12/08/11 03:51 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 … (0 comments)

Do you have to be past due on your mortgage to do a short sale? - Short Sale Specialist - 12/08/11 03:31 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
#01451803
 
… (0 comments)

Is Your Mortgage Late? Not sure what to do? – Short Sale Specialist - 12/08/11 03:19 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.comfor more information.
#01451803
… (0 comments)

Short Sale Specialist - Orange County Short Sale Specialist and Realtor - 12/08/11 03:11 PM
Did you know?
99% of homeowners do not realize that it is not too late to stop the foreclosure and work out a win-win situation for both the bank and themselves. In most cases, your bank does not want to foreclose on your home.  I provide options and alternatives that postpone or even stop your auction entirely!  One option is a short sale in which I negotiate with your bank to allow you to sell your home fast and below market value, even if you owe more than the home is worth.
My Mission
To be the most ethical and professional solution for homeowners while minimizing … (0 comments)

When Should I Begin The Short Sale Process? – OC Short Sale Specialist - 12/08/11 02:59 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
#01451803
 
… (0 comments)

SHOULD YOU SHORT SALE OR FORECLOSE? - OC SHORT SALE SPECIALIST & REALTOR - 12/07/11 05:11 PM
Why would a bank or mortgage lender want to do a short sale?
A common saying is that banks are in the business of lending money and do not want to own real estate. This is slightly misleading but is essentially true. When a bank takes a property back via foreclosure, it is a long and expensive process and often results in holding the property in their inventory as a non-performing asset. Banks have a limit to the amount of non-performing assets they want to hold. Once this limit is exceeded, they have strong incentive to get rid of the properties … (0 comments)

Your Credit in a Foreclosure vs. Short Sale – Orange County Short Sale Specialist - 12/07/11 05:05 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 … (1 comments)

JUST REDUCED!!! Single Family Home, Anaheim – 3 Bed 2 Bath - 12/07/11 04:59 PM
10632 Dixie Dr. Anaheim 92804
 
3 BEDROOMS
 
2 BATH
 
1150 SQ FT.
 
7200 SQ. FT. LOT
 
BUIL 1954
 
GREAT LOOKING HOME, LOCATED IN CUL DE SAC. LARGE LIVING ROOM WITH VAULTED CEILINGS AND FIREPLACE OVERLOOKS THE NICE SIZE BACKYARD. COVERED PATIO. HOME  HAS CENTRAL AIR AND HEAT. HOME IS IN TURN-KEY CONDITION!!
 
ASKING…………..$319,900.00
… (1 comments)

Factors in Your Credit Score Calculations - OC Short Sale Realtor - 12/05/11 05:24 PM
    Another tidbit of info on the factors of your Credit Ranking Score.  Yes, instead of thinking it's a score on you individually and your character. 
What is a credit score?
     It is said that credit scores may range from around 300 to 900 but I've always asked around and being in this industry I've only physically seen these scores:
Excellent credit = 720 and 870
Good credit = 660 to 719
Fair credit = 620 to 659
Bad credit = 619 and 320 (anything below usually shows as no credit)
Credit scores are generated from three major credit bureaus - … (0 comments)

DO YOU QUALIFY FOR A SHORT SALE - YOUR OC SHORT SALE SPECIALIST - 12/05/11 05:10 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 … (0 comments)

Ten Facts about Mortgage Debt Forgiveness - OC Short Sale Realtor - 12/05/11 04:53 PM
 
If you are a homeowner whose mortgage debt is partly or entirely forgiven during tax years 2007 through 2012, you may be able to claim special tax relief and exclude the debt forgiven from your income.
 
Here are 10 facts the IRS wants you to know about Mortgage Debt Forgiveness.    1.  Normally, debt forgiveness results in taxable income. However, under the Mortgage Forgiveness Debt Relief Act of 2007, you may be able to exclude up to $2 million of debt forgiven on your principal residence.    2.  The limit is $1 million for a married person filing a separate … (1 comments)

Successful Short Sale Negotiator - OC Short Sale Specialist - 12/05/11 04:36 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
• … (0 comments)

SHORT SALE Q & A - SHORT SALE SPECIALIST AND REALTOR - 12/05/11 04:26 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 … (0 comments)

Why Should I Choose a Short Sale? – Short Sale Specialist - 12/02/11 04:59 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)

8 REASONS TO SHORT SALE YOUR HOME- SHORT SALE SPECIALIST - 12/02/11 03:19 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. … (0 comments)

Orange County Short Sale Specialist & Realtors offer FREE Foreclosure Help - 12/02/11 03:17 PM
 
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 … (0 comments)

Short Sale your home at NO COST - Short Sale Specialist - 12/02/11 02:23 PM
Short Sale your home at NO COST – Inland Empire Short Sale Specialist 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.) • 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 … (0 comments)

 
Profile%20pic%20(1024x768)%20(1) Rainmaker_large

Ann Urias

Irvine, CA

More about me…

Aston Group - Excellence through Experience

Address: 8 WHATNEY 100 , IRVINE, CA, 92618

Office Phone: (714) 588-7676

Email Me



Listings

Links

Archives

RSS 2.0 Feed for this blog

Find CA real estate agents and Irvine real estate on ActiveRain.