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avoid: I’m Falling Behind on My Louisville House Payments – When Should I Start The Short Sale? - 01/30/11 10:54 PM
Simple answer: Start Now!
Why start now?
The longer you wait the closer you get to losing your house at the foreclosure sale.
On the other hand, a short sale enables you to sell your house with dignity, rather than lose your house. You don’t want to gamble and wait too long and have your lender deny foreclosure avoidance options because it’s too close to the auction date.
What is a short sale?
A short sale occurs when a house sells for an amount short of the full amount amount owed to the lender. Hence the word “short” in short sale. … (0 comments)

avoid: If I Do a Short Sale Will I Be Able to Rent a House? - 11/20/10 08:03 PM
Sellers facing foreclosure worry they won't even be able to rent a house and their family will be homeless. We have many families avoid foreclosure and they always found a place to move to.
A Short Sale Greatly Improves Your Position
If you are facing foreclosure in Louisville, KY, you should definitely consider a short sale. The short sale is much better on your credit and makes it easier to rent your next house. In a short sale, your lender accepts an amount SHORT of your payoff and typically forgives the difference and waives their right to pursue you for the … (3 comments)

avoid: Avoiding Foreclosure With a Short Sale: The First Meeting With Your Realtor - 10/16/10 10:45 AM
YOU are my client, and the short sale is all about helping YOU avoid foreclosure. It is all about YOU.
Here’s what YOU can expect from our first meeting:
I listen to all YOUR questions and concerns and provide YOU with comprehensive answers. I ask YOU key questions, bringing my years of experience to the table for YOUR benefit. We then customize a strategy, together. There are many variables in a short sale, and we develop a specific plan that fits YOUR circumstances and addresses YOUR wishlist. I make sure to answer all YOUR questions and address every single one of … (2 comments)

avoid: I’m In Foreclosure and Need A Real Estate Agent to Sell My House In Louisville, KY - 09/29/10 11:09 PM
Selling a house to beat foreclosure means you need the best Realtor who can move fast!
The Realtor must be:
Compassionate and Caring Highly trained Highly organized and has systems in place Must have staff to quickly and efficiently handle all calls and tasks Experienced Track record of many pre foreclosure successes Local to Louisville, Kentucky In many cases a pre foreclosure sale needs to be a short sale. In a short sale the foreclosing lender accepts an amount SHORT of what is owed, and typically forgives the shortage. You must find a short sale expert Realtor.
Time is of the … (2 comments)

avoid: “I Want Out From Under This Mortgage”: Avoid Foreclosure in Louisville - 09/15/10 07:04 AM
 
“Every month is a struggle.”
“There’s no end in sight.”
“I can’t pay this mortgage and feed my kids. It’s one or the other.”
“The loan modification was a joke.”
“I’ve tried everything. I can’t handle this anymore. I need out”
These are direct quotes. Sellers are hurting. But sellers are still trying to do the right thing. They struggle until they can’t struggle any more. Incurring debt elsewhere to keep the mortgage payments propped up. Working extra jobs to keep the mortgage payment propped up.
Owners can’t sell because house values have declined way below loan balance.
So, what’s … (2 comments)

avoid: Louisville Seller Loses House To Foreclosure Without Trying To Short Sell It First. Why? - 09/08/10 09:33 PM
“Frozen.”
“Paralyzed.”
“I was a deer in the headlights.”
“There isn’t sufficient information readily available.”
These were the sad statements the owner made. A woman called me a week AFTER her house was lost at foreclosure auction to ask me what her options are. I asked her why she didn’t call me prior to the auction. She hadn’t even sought out a Realtor prior to the auction.
She continued; “Spoke to five people got five different answers which contributed to my paralysis.”
She had spoken to:
Her divorce attorney The Louisville Jefferson County Clerk because their office sends out the notices … (2 comments)

avoid: July 4th and Independence from Debt Via a Short Sale - 07/04/10 05:50 PM
July 4th is a day each year for us to contemplate and appreciate the freedoms we enjoy.
I speak with homeowners every day who are searching for their own independence day from the shackles of mortgage debt. Homeowners who are valiantly fighting the fight to meet their obligations but are losing the battle.
Declining job market and declining market values have combined to cause many hard working Americans to be unable to make their mortgage payments on their now overleveraged homes.
Many families have tried loan modifications and a variety of repayment plans, and still cannot overcome the deficit.
A short sale … (0 comments)

 
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Dave Halpern - Louisville Short Sale Expert

Louisville, KY

More about me…

Short Sales Professionals of Louisville (502) 664-7827

Address: 1815 Frankfort Avenue, Louisville, KY, 40206

Office Phone: (502) 664-7827

Cell Phone: (502) 664-7827

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