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Short Sales: Why Lenders Back Off When Threatened With Bankruptcy - 03/21/11 04:45 PM
IL – Bankruptcy is one of the scariest words a lender can hear. A bankruptcy filing can stall their ability to foreclose by 6 months, and sometimes as long as a year. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. The lenders know that most bankruptcies will cause them to lose the ability to pursue you for any losses. This means they can’t go after you for any upside down debt. The only thing a lender gets in a Chapter 7 Bankruptcy is any collateral they have on a loan. So they can foreclose (0 comments)
How To Get Your Loan Mod Approved When Negotiating With A Local, Lender - 03/18/11 08:36 AM
IL – In my opinion, loan mods are very tough to negotiate with large lenders like Bank of America, Wells Fargo, JP Morgan Chase, or SunTrust. The reason is because you are treated like a number. In addition, in most cases the lender doesn’t own your loan. Someone else does. So when they negotiate with you, it is simply to go thru the motions. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. No, common sense does not apply in these situations! The good news is that common sense does apply when you are dealing (1 comments)
Short Sales: Even The Rich Are Being Foreclosed - 03/17/11 11:12 AM
IL – This is good news or bad news, depending on how you look at it. Here is the good news. If you are a little guy having financial problems, then you are not alone. Even Billionaires are being foreclosed on. One billionaire real estate developer in Florida had several projects foreclosed on. Another very well known real estate developer is having to re-negotiate mortgages on his investment properties. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Even a woman who was married to a man who was the richest man in the world (0 comments)
Short Sales: Four Specific Examples of Big Bank Negligence - 03/16/11 12:26 PM
IL – Here are four specific examples of big bank’s negligence causing a loan owner to lose money. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Example #1: Not giving buyers an answer on a short sale within one week. Home buyers don’t like to wait 3-6 months for an answer on a short sale. This fact causes many buyers to shy away from short sales, thereby causing short sales to sell for less. Lenders should help the loan owners recoup as much money as possible from short sales. To do this, they make (1 comments)
What The Big Banks Don’t Want You To Know About Short Sales - 03/15/11 10:30 AM
IL – Here is a shocking fact that most of the American Public doesn’t know. Most mortgages are not owned by banks. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. In addition, most of the huge losses on bad mortgages was not lost by the banks themselves. Instead, the biggest loser was Uncle Sam, thru the takeover of Fannie Mae and Freddie Mac. Most mortgages are sold after they are made. We estimate that around 75-80% of all mortgages were sold before the housing crisis. This means that the large lenders didn’t take the (0 comments)
Short Sales: Another Example Of Lenders Attempting To Abuse Their Power - 03/14/11 10:53 AM
IL – The Stop Foreclosure Institute recently received a question from Durry. Here was Durry’s Question. "We have American Home Mortgage Servicing, a loan processor for a Mortgage held by Deutche Bank, adding a 1% “processing fee” that ONLY the buyer can pay at closing. This was never revealed until we received the short sale approval letter. The buyer is upset.” Durry. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Here was our answer to Durry’s Question. Yes, the buyer is upset. Buyers think they are in control in today's market. They can't see (0 comments)
Short Sales: How One Agent Overcame The Odds - 03/11/11 07:11 AM
IL – Sometimes it seems like short sales are tough. “Don’t try to short sale your house. Short Sales never go thru”, people tell you. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. This isn’t true. Here is how one agent beat the odds and succeeded with a short sale. A member of the Stop Foreclosure Institute told me about a short sale he recently worked on. Here is the story from the member. “I had a short sale with a large national lender. The loan was owned by Fannie Mae, not the lender. (0 comments)
Short Sales: A Little Known Fact About Short Sale Negotiators - 03/11/11 07:08 AM
IL – A negotiator at a large bank tried to mislead a Stop Foreclosure Institute Member. She really got on our nerves. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. You see, we've spent the last few years figuring out all the guidelines for short sales. If the loan being shorted is an FHA Loan, VA Loan, Fannie Mae Loan, or Freddie Mac Loan, then the guidelines for the short sale are different. In this case, the loan being shorted was an FHA loan. Here's what happened. FHA puts out a letter called "Mortgagee (0 comments)
Short Sales: Lenders Loses 50k Turning Down Short Sale - 03/11/11 07:06 AM
This bank's stockholders are probably unhappy after losing $50,000 over incompetence. IL – I have a good story today about another bank losing their shirt because their short sale process is so tough to work with. The bank in question is a large, top 20 American Bank. They actually owned the loan in question. So their stockholders lost 50k from their negligence. Ouch! Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Here is the story from a Stop Foreclosure Institute Member. "We met some buyers at an open house. They told us they were (0 comments)
Why Short Sales Sell For A Higher Price Than A Foreclosure - 03/11/11 07:03 AM
IL – People often wonder why their lender will release their debt in a short sale. Most lenders don't like to release the debt. But, they agree to do it because they know that policy nets them more money. They net more because a home usually sells for more money as a short sale versus after it has been foreclosed upon. Let's go thru a few examples. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. [caption id="attachment_1560" align="alignright" width="300" caption="Most Short Sales Are Well Kept Up And Attractive To Buyers."] [/caption] See the home (0 comments)
Short Sales: This Short Sale Negotiator Isn't Doing His Job - 03/07/11 01:15 PM
IL – Here is a question that the Stop Foreclosure Institute recently received. "I am in the middle of a very long negotiation with Chase. The seller had me to put a clause into the contract stating “upon approval of short sale by sellers’ lender, lenders, & or affiliates, client, or heirs will be released from any monetary shortages or deficiencies from said sale of stated property upon successful closing and transfer of title from that date and forevermore.” Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. The short sale negotiator at the lender, (0 comments)
Short Sales: How to strong arm your lender on a short sale - 03/04/11 07:12 AM
IL – Here is a technique you can use to “strong arm” you’re your lender on your short sale. The number one reason people short sale is to salvage their credit. After all, a short sale has much less of an impact on your credit than a foreclosure. Despite all this, banks still make short sales tough. How would you feel if you worked hard on a short sale only to watch it fall apart because you lender dragged their feet? Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Later on the property sells (0 comments)
Short Sales: Why it is cheaper to short sell and rent versus staying - 03/03/11 07:46 AM
IL – Many people are shocked that it is often cheaper to short sale and rent that staying in your home with a loan modification. They find it hard to believe that they can rent a comparable or even nicer home for less than their mortgage. Here are the two factors that make it possible. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Many homeowners bought homes for more than they are selling for today. A perfect example is a homeowner that paid $150,000 for a home. His mortgage payment was around $1,500 a (0 comments)
Short Sales: The Homeownership Rate continues to drop - 03/03/11 07:41 AM
IL – Barron’s Magazine recently had an article titled "Renter Nation." In it, they detailed the various factors at work that will reduce the homeownership rate in America. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. The homeownership rate has already dropped from 69.2% to 66.9% today. Here is one of the factors Barron’s said would cause the homeownership rate to drop. Experts project that the average American Household will become younger over the next decade. Younger households are more likely to rent versus purchase a home. However, the article missed another big factor. (0 comments)
Short Sales: What is a HUD-1 and why does it matter on a short sale? - 03/01/11 06:35 AM
IL – Here is something that drives inexperienced short sale agents crazy. It is a HUD-1, also called a HUD. HUD is the Federal Agency, the Department of Housing & Urban Development, also called HUD. A HUD-1 is a document regulated by HUD. It is the financial accounting for a real estate sale. Here is why it is important to a short sale. Discover how other sellers successfully did a short sale to avoid foreclosure by clicking here. Before a short sale lender will accept a short sale, they want to know what they will net from the sale. A HUD-1 (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.