Not listed yet - Stanton area 2 bed room 2.5 bath town home $170k - Stanton Short sales - 03/26/12 08:49 PM
 
Will sell quick!! Not on mls yet Stanton area
2 bed room
2.5 bath
1100 sq ft
town home
hoa $210
upgraded through out
 
Asking 170k
 
 
We have assisted over 400 Homeowners avoid foreclosure!! You will not be disappointed with a 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 … (0 comments)

Not on MLS yet - 1 bedroom loft, Orange CA for 135k - Orange short sale specialist - 03/24/12 12:08 PM
Hurry Orange short sale wont last!!!
1 bed room
1 bath
800 sq ft
lake view
end unit
fire place
ac/heat
assigned car port and assigned spot
asking 135k
 
Bank of America short sale!!

 
 
 
 
We have assisted over 400 Homeowners avoid foreclosure!! You will not be disappointed with a 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, … (0 comments)

Wells Fargo short sale assistance - WACHOVIA short sale specialist - Orange County short sale help - 03/20/12 01:44 PM
Do you have a mortgage with Wells Fargo, Wachovia or World Savings? If so you may qualify for relocation assistance when you agree to short sale your home.Assistance may range from $2500 to $30,000See 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 … (1 comments)

HARP Program guidelines have changed - Review the new guidelines now - Orange Short Sale Specialist - 03/19/12 11:33 AM
HARP guidelines have changed
please go to https://www.efanniemae.com/sf/mha/mharefi/pdf/refinancefaqs.pdf
 
 
 
 
 
 
 
 
 
  
We have assisted over 400 Homeowners avoid foreclosure!! You will not be disappointed with a 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 … (0 comments)

Was your Wells Fargo Or Wachovia loan mod denied? - Wells Fargo short sales - 03/16/12 12:04 PM
Do you have a mortgage with Wells Fargo, Wachovia or World Savings? If so you may qualify for relocation assistance when you agree to short sale your home.Assistance may range from $2500 to $30,000See 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 … (0 comments)

Why would a bank or mortgage lender want to do a short sale? - Orange short sale specialist - 03/12/12 11:48 AM
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 … (1 comments)

Short sale your Orange County home and receive $3000 - HAFA Short sale specialist - 03/09/12 12:22 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 cant 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?
We have assisted over 400 Homeowners avoid foreclosure!! … (0 comments)

What are the Eligibility guidlines for the HAFA program - HAFA short sale specialist - 03/08/12 09:48 PM
 
What are the Eligibility guidlines for the HAFA program?
 
You may be eligible for HAFA if you meet all of the following criteria:•You live in the home or have lived there within the last 12 months. •You have a documented financial hardship. •You have not purchased a new house within the last 12 months. •Your first mortgage is less than $729,750. •You obtained your mortgage on or before January 1, 2009. •You must not have been convicted within the last 10 years of felony larceny, theft, fraud, forgery, money laundering or tax evasion in connection with a … (0 comments)

Attn FHA buyers - You must read this FHA update - Orange County Realtor - 03/08/12 09:43 PM
 
Starting April 1st 2012"FHA will increase its annual mortgage insurance premium (MIP) by 0.10 percent for loans under $625,500 and by 0.35 percent for loans above that amount. Upfront premiums (UFMIP) will also increase by 0.75 percent." ... HUD website Current Rate New RateUp-front charge 1.00% 1.75%Monthly charge 1.15% 1.25%Examples: CURRENT UP-FRONT RATE: $200,000 price at 96.5% = $194,930 loan amountNEW UP-FRONT RATE: $200,000 price at 96.5% = 196,377.50 loan amount CURRENT MONTHLY RATE: 1.15% on $194,930 = $185/monthly MINEW MONTHLY RATE: 1.25% on $196,377.50 = $201/monthly MI These increases can mean the difference between qualifying or NOTContact your lenders … (2 comments)

SHORT SALE Q & A - Orange County SHORT SALE SPECIALIST - 03/07/12 02:44 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 to … (0 comments)

List with an Experienced Orange County Short Sale Specialist & Realtor - 03/07/12 02:34 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                                $ 307,000
… (0 comments)

Successful Short Sale Negotiator - Your Orange County Short Sale Specialist!! - 03/07/12 02:27 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)

Ten Facts, about Mortgage Debt Forgiveness - Orange County Short Sale Realtor - 03/06/12 12:12 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 return.    … (0 comments)

DO YOU QUALIFY FOR A SHORT SALE? - ORANGE COUNTY SHORT SALE SPECIALIST - 03/06/12 11:47 AM
·         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)

When can I buy after a short sale or foreclosure? - Orange County short sale Realtor - 03/06/12 09:45 AM
Below are the general guidelines that FHA, Fannie Mae and Freddie Mac follow when considering a loan after a short sale or foreclosure:
Short sale with FHA Loan
Can purchase right away with no mortgage default 3 year wait if in default at the closing Reduced wait if the borrower has re-established good credit and can show extenuating circumstances Short Sale With Fannie Mae Loan
2 year wait if the borrower puts 20 % down 4 year wait if the borrower puts between 10% to 20% down 7 year wait if the borrower puts less than 10% down 2 year wait … (0 comments)

SHORT SALE BANKS THAT HAVE QUICK TURN AROUND TIME!! - ORANGE COUNTY REALTOR - 03/05/12 01:57 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 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 … (0 comments)

DOCUMENTS NEEDED IN A SHORT SALE, FROM SELLER AND REALTORS - SHORT SALE HELP - 03/05/12 01:49 PM
Items needed in a short sale from the seller
2 MONTHS RECENT BANK STATEMENTS
TWO YEARS TAX RETURNS
ONE MONTH OF MOST RECENT PAY CHECK STUBS
SIGNED HARDSHIP LETTER
SIGNED FINANCIAL WORK SHEET
AUTH LETTER
 
Items needed from the Listing agent
CMA
Listing agreement
Buyers offer
Pre-approval lttr
Copy of deposit check
Proof of funds if there is a down payment
HUD 1
EVERY BANK HAS ITS OWN GUIDELINES. CALL AHEAD FOR THEIR LIST OF REQUIREMENTS.
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 … (1 comments)

Guide to help you, through a Short Sale - SHORT SALE HELP FOR SELLERS - 03/05/12 01:38 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)

Wells Fargo and Wachovia Short Sales, Receive up to 25k in cash assistance!!! - 03/05/12 01:29 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 … (0 comments)

Are you Behind on Your Mortgage? List your home with your Orange County Short Sale Realtor - 03/05/12 01:20 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)

See If You Qualify!! - Bank of America Short Sale Specialist - 03/02/12 02:05 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)

6 Reasons why Short Sales get DENIED!!! - Orange County Short Sale Realtor - 03/02/12 02:01 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 with your Orange County Short Sale Realtor - 03/02/12 01:53 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 … (1 comments)

CALIFORNIA FORECLOSURE TIMELINE - SHORT SALE SPECIALIST - 03/01/12 02:59 PM
The following time-line is applicable for non-judicial California Foreclosures under a Deed of Trust. Foreclosures begin with the borrower not making the monthly payments to the Beneficiary (Lender), the first missed payment is technical default, but in practical terms, most Beneficiaries do not begin the process until the third payment is missed. If the Beneficiary cannot resolve the defaulted payment amount with the Trustor through Forbearance or other Loss Mitigation measures, the Beneficiary will instruct the Trustee to begin Foreclosure proceedings.
 
Day 1
 
Record Notice of Default
 
Within 10 business days
 
Mail and publish Notice of Default
… (0 comments)

A SHORT SALE, MAY BE THE BEST OPTION!! – YOUR SHORT SALE SPECIALIST - 03/01/12 02:55 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 assisted over 400 home owners avoid foreclosure!! You will not be disappointed.  99% success rate on short sale lender … (0 comments)

Do Not Foreclose you have Options!!!! – Orange County Short Sale Specialist - 03/01/12 02:51 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.
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 … (0 comments)

FACING FORECLOSURE??!! - ORANGE COUNTY SHORT SALE SPECIALIST - 03/01/12 02:48 PM
FACING FORECLOSURE PROBLEMS? -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 ? We Can Help You Avoid Foreclosure And Bankruptcy!! Things Sometimes Can Go Very Wrong. Losing Your Home To Foreclosure Isn't The Only Option You Have. A "Short Sale" Could Be The Answer. We Can Negotiate With Your Lender To Accept Less Than Your Payoff Amount Owed. This … (0 comments)

Approved Orange short sale 230k - Large upgraded townhome in central loacation - 03/01/12 10:39 AM
Approved Orange Short Sale!!!! BANK APPROVED 230K UPGRADED TOWNHOME 2 MASTER BEDROOMS 2.5 BATH CONDO WITH 2 CAR ATTACHED GARAGE, 1225 SQ FT, SCRAPED CEILINGS, HARDWOOD FLOORS, GRANITE COUNTERS, TILED BATH ROOMS, CENTRAL HEAT AND AIR, BALCONY AND PATIO AND INCLUDES DISHWASHER, MICROWAVE AND STOVE. HOA $230 A MONTH INCLUDES ASSOC. POOL AND SPA. CALL ANN 714 588 7676 FOR AN APPT OR GO TO WWW.REMAXANN.COM 
 
… (0 comments)

 
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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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