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Short Sales: Is My Hardship Legitimate For A Short Sale? - 06/16/11 07:19 AM
IL – The Stop Foreclosure Institute recently received a question from Dan. Here was Dan’s Question. "I recently purchased another home and tried to sell my former home. It isn’t selling and I can’t afford to make both payments. The home won’t rent for even 1/2 of the mortgage payment. An agent told me the house is worth about $50K under the mortgage amount. Is it realistic for me to try the short sale? The only hardship created was when I decided to move to a larger home for family. Dan." Get my Free, Step By Step Loan Modification Guide by (0 comments)
How A Short Sale Helps Preserve Neighborhood Values - 06/16/11 07:17 AM
IL – Yes, short sales actually help preserve home values in a neighborhood. Here is why. Most people short sell their home while they are still living in the home. They are maintaining the home, mowing the yard, keeping the air conditioning on, etc. Most bank owned properties are empty for 3-6 months, if not longer. No one maintains the home during that time period. Empty homes are easy targets for vandalism and thieves. Get my Free, Step By Step Loan Modification Guide by clicking here. The grass and yard get overgrown. Pools deteriorate and the water turns green with algae. (1 comments)
Another Common Short Sale Myth: The Foreclosure Process Goes So Fast That I Don’t Have Time To Short Sale - 06/16/11 07:15 AM
IL – The Stop foreclosure Institute recently received a question from Susan about short sales. Here was Susan’s Question. “My home is scheduled to be going on the courthouse steps in about 2 months. I had thought about short selling, but a friend told me I wouldn’t have enough time to do it. Because of that I didn’t pursue a short sale earlier. Recently I decided to look into it further. It looks like a good option compared to foreclosure. My question is this. Do I have enough time to short sale my house, or is the foreclosure already too far (0 comments)
Short Sales: My Ex Is Short Selling. What Can I Do? - 06/16/11 07:13 AM
IL – The Stop Foreclosure Institute recently received a question from Tom about short sales. Here was Tom’s Question. “My Ex-wife decided to Short Sell our former house. Unfortunately we both signed the mortgage when we bought the house together. I think that means I am still liable for the debt. She got the home after the divorce. The court gave her the home in the divorce. The market has declined and the house is worth about 120k less than the mortgage amount. I have a good job and some assets. Will I have to pay back the bank ofr the (1 comments)
Three Ways The Big Banks Could Stabilize Housing Prices And Increase Their Profits At The Same Time - 06/16/11 07:10 AM
IL – Many Americans are concerned about the housing market. If they housing market continues to decline, then it could drag the entire economy with it. At least that’s what some economists are saying. We want to be part of the solution, not part of the problem. So, we decided to propose a solution Here Are 3 Ways The Big Banks Could Stabilize Housing Prices And Increase Their Profits At The Same Time. Get my Free, Step By Step Loan Modification Guide by clicking here. #1: Approve more Loan Modifications. Every loan modification is one less home that has to be (0 comments)
Short Sales: Will My Lender Set The Price For My Home? - 06/16/11 07:08 AM
IL – The Stop foreclosure Institute recently received a question from Steve about short sales. Here was Steve’s Question. “I am interested in a short sale. I just have a few questions about how the process works. Does my lender set the price for the property. And, will that price include the realtor fee? Sincerely, Steve.” Get my Free, Step By Step Loan Modification Guide by clicking here. Here was our answer. Steve, in most cases the lender will not set the asking price for your home. In most cases, the lender does not get involved until after we have an (0 comments)
Why Short Sales with 3 or more mortgages are difficult - 06/16/11 07:06 AM
IL – Are you looking to buy a short sale? Before you make an offer, you need to check and see how many mortgages are on the home. A short sale with only one mortgage is not that difficult. Even an inexperienced agent can often get these approved and sold. Get my Free, Step By Step Loan Modification Guide by clicking here. A short sale with 2 loans becomes much more difficult. You now have to lenders that have to agree with each other. However, an experienced short sale agent can get the two lenders to agree with each other on (3 comments)
How Long Do I Have To Wait After A Short Sale To Buy Another Home? - 06/06/11 07:29 AM
IL – The Stop Foreclosure Institute gets asked this question quite a bit. The answer depends on the type of loan you are looking to use to purchase your next home. Here are the details on your options to buy another home after a short sale. Get my Free, Step By Step Loan Modification Guide by clicking here. Owner Financing. You can buy a home with owner financing anytime after a short sale. FHA Financing. (FHA is very popular because it only requires you to put down 3.5% and pay your closing costs. You can usually convince the seller to pay (1 comments)
Short Sales: Bank won’t allow my seller to avoid short sale process - 06/03/11 10:46 AM
IL – The Stop Foreclosure Institute recently received a question from another agent. Apparently they were being mislead on a short sale by a large national lender. Here is the question we received: “Do you have a number to contact Fannie Mae? The bank (Large National Bank) will not allow the seller to not do a short sale and agree to repay the loss on a promissory note. She said that she has to talk to the investor which is Fannie Mae. My sellers just wants to sell and move on with their life. Janet.” Get my Free, Step By Step (0 comments)
Short Sales: Why Is Everyone So Negative About The Housing Market? - 06/03/11 10:44 AM
IL – The tax credit expired and everyone turned negative on the housing marketing. One so called expert said we could see headlines about the real estate market crashing again. Another said that the housing market is going to continue it's decline for another years or two. He referenced an article that showed that mortgage applications dropped by 9.5 percent the first week after the tax credit expired. Get my Free, Step By Step Loan Modification Guide by clicking here. I don't want to apply for the job of "Amateur Economist." Here are a few examples I found of actual economists (0 comments)
Short Sales: How Do You Handle Multiple Offers? - 06/03/11 10:40 AM
IL – The Stop Foreclosure Institute recently received a question from another agent. Here was her question. "I have a short sale listed. At what time in the short sale process do you stop accepting additional offers for submittal to the lender? If you accept another offer after you've already submitted one to the lender, does it reset your timeline to the beginning? Do you just put them in backup position? What about the poor buyer whose offer was submitted and has already been waiting for weeks for lender approval? Do you allow them to match the higher offer? You guys (0 comments)
Common Short Sale Myth: Short Sales Are Difficult And Banks Never Approve Them - 06/03/11 10:38 AM
IL – The Stop Foreclosure Institute recently talked to a homeowner whose home had been sold on the courthouse steps. We asked if she had considered selling the home as a short sale. “I did, but I heard that short sales are difficult and not worth trying. My friend told me that the banks never approve them”, she told us. Get my Free, Step By Step Loan Modification Guide by clicking here. After we got off of the phone, we reviewed what she had lost. She lost the opportunity to protect her credit and to be able to buy a home (0 comments)
Short Sale: How To Send A Fax To Everyone In Congress - 06/03/11 10:36 AM
IL – Bank of America is consistently the worst short sale lender we have dealt with. A lot of people sent me e-mails such as the following: "You need to stop complaining. If you think having to re-open a file is bad, imagine working on a file for 8 months." Get my Free, Step By Step Loan Modification Guide by clicking here. They have the resources available to make the changes. Bank of America, Wells Fargo, JP Morgan Chase, and Citigroup all issued stock to pay off their bailout. Paying off the bailout cost all of these banks their fourth quarter, (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.