bRAINstorming: Real Estate Blog: Miramar, Pembroke Pines, Davie, Weston, Cooper City

FREE Loan Modification ~ Avoid Foreclosure!

Sun, 08 Nov 2009 00:20:43 -0600

The decisions you make as a homeowner today hold a profound impact on your financial future. However, it is important to safeguard yourself from misinformation and fraud. Get the facts regarding your situation and always have a contingency plan.

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I've prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply request your report below to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call me today.

Michelle Burgos, CDPE®
954-343-3104

Do I Qualify for a Loan Modification/Short Sale? (FAQs)

Sun, 08 Nov 2009 00:03:37 -0600

Frequently Asked Questions - www.FLAvoidForeclosre.com

It is understandable to have questions when coping with a new and challenging situation, especially when a home is at stake. The reality is that millions of homeowners across the country are finding out that they have more questions than answers. We hope that the following information will help you better understand the circumstances. If you have further questions not addressed below, or would like additional information resources, feel free to Contact Us.

Do I qualify for a short sale?

The qualifications for a short sale include any or all of the following:

Financial Hardship - There is a situation causing you to have trouble affording your mortgage.
Monthly Income Shortfall - In other words: "You have more month than money." A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
Insolvency - The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

What is a mortgage modification?

A mortgage modification is a process through which your mortgage lender changes any or all of the following:

Your interest rate
Your principal balance (through a reduction)
Your loan terms (example: from an adjustable to a fixed rate)

This process can allow borrowers to stay in their property when they can no longer afford their current mortgage payments.

Why would a lender modify my mortgage?

Lenders have realized that in some cases it is better for them to work with current borrowers to lower payments or possibly improve terms in order to keep homeowners in their properties. The average foreclosure can cost a lender from 35-50% of the value of a property, so keeping borrowers in their homes is a good option for everyone.

What do I need to qualify for a mortgage modification?

According to the Making Home Affordable Web site (www.MakingHomeAffordable.gov), you will need the following information for your lender to consider a modification:

Information about your first mortgage, such as your monthly mortgage statement
Information about any second mortgage or home equity line of credit on the house
Account balances and minimum monthly payments due on all of your credit cards
Account balances and monthly payments on all your other debts such as student loans and car loans
Your most recent income tax return
Information about your savings and other assets
Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources

If applicable, it may also be helpful to have a letter describing any circumstances that caused your income to reduce or expenses to increase (job loss, divorce, illness, etc.)

How do I qualify for a mortgage modification?

The first call you make should be to your lender, have the information above ready to discuss with them and call your customer service line to ask them what options you have available. If the person you speak with does not understand what you are asking, you can ask to be referred to one of the following departments (different lenders have different names for these departments):

Loss Mitigation
Mortgage Modification
H.O.P.E.

Prior to contacting your mortgage lender you can quickly complete an eligibility test at www.MakingHomeAffordable.gov. This test will let you know if you are eligible for a modification through the government-sponsored Home Affordability and Stability Program (HASP). For a list of mortgage lenders and servicers, visit www.HopeNow.com.

What if I don't qualify for a mortgage modification, can't afford my home, and owe more than it's worth?

You are not alone and foreclosure is not the only option. If your mortgage lender or servicer will not work with you to reduce your payment, you may want to consider a short sale. Agents like me, with the Certified Distressed Property Expert® Designation, have undergone extensive training in how to process and negotiate short sales. A short sale allows you to sell your home for less than what you owe and avoid foreclosure. Speak to your market expert to see if you may qualify.

What is a Home Affordable Refinance?

If Fannie Mae or Freddie Mac owns your mortgage, you may be eligible for a Home Affordable Refinance. This will allow you to refinance your home and often lower your payments.

What are the qualifications for a Home Affordable Refinance?

According to the resources released by the government, following are a list of qualifications:

You are the owner occupant of a one- to four-unit home
The loan on your property is owned or securitized by Fannie Mae or Freddie Mac (see Useful Links)
At the time you apply, you are current on your mortgage payments (you haven't been more than 30 days late on your mortgage payment in the last 12 months, or if you have had the loan for less than 12 months, you have never missed a payment)
You believe that the amount you owe on your first mortgage is about the same or slightly less than the current value of your house
You have income sufficient to support the new mortgage payments, and the refinance improves the long-term affordability or stability of your loan

Contact Michelle Burgos, CDPE® Michelle Burgos, CDPE®

RE/MAX PowerPro 4301 Flamingo RD. Suite 101 Davie, FL 33330
954-343-3104 www.MichelleCanHelp.com

Breve Explicación de las Ventas Cortas (Short Sales)

Sat, 07 Nov 2009 22:17:28 -0600

Breve Explicación de las Ventas Cortas (Short Sales)

Una venta corta (short sale) puede ser una excelente solución para los propietarios que tienen que vender su residencia y quienes deben más dinero que lo que su propiedad vale. En el pasado, era muy poco común que los bancos o prestamistas aceptaran una venta corta (short sale). En nuestros días, debido a los cambios abrumadores del mercado inmobiliario, los bancos y prestamistas se han vuelto mucho más abiertos a la negociación en lo que tiene que ver con este tipo de transacciones. Los cambios recientes a la política corporativa de la administración del Presidente Obama también han mejorado las posibilidades de obtener la aprobación de una venta corta (short sale).

Pero para ser un poco más técnicos, aquí tiene una definición un poco más oficial:

Un propietario se encuentra "corto" cuando la cantidad de dinero que debe por su propiedad es mayor que su valor en el mercado actual.
Una venta corta (short sale) ocurre cuando se presenta una solicitud ante la compañía hipotecaria del prestatario (o compañías) para que acepten una cantidad de dinero menor al balance total del préstamo cuando se complete la venta. Un comprador compra la propiedad y la propiedad es entonces "vendida por menos" (sold short) del valor total de la hipoteca.

Para que los propietarios puedan califican para una venta corta (short sale), tienen que tener una o todas de las siguientes circunstancias:

Problemas Económicos: Situación que causa que usted tenga problemas para poder pagar su hipoteca.

Déficit de Ingresos Mensuales: O dicho de otra forma: "Usted tiene más dinero que mes". Un prestamista tiene que comprobar que usted no puede pagar, o que pronto no va a poder pagar su hipoteca.

Insolvencia: El prestamista tiene que comprobar que usted no tiene los activos necesarios que le permitan pagar su hipoteca disminuyendo su deuda.

Esto parece ser bastante simple, pero es un proceso complicado que necesita de la experiencia de profesionales calificados. Contamos con la Designación CDPE® y estamos listos para identificar todas las opciones posibles disponibles para usted y para ayudarle a ejecutar rápidamente la transacción de una venta corta (short sale).

Si tiene preguntas o cree que puede calificar para una venta corta, por favor contáctenos para una consulta gratuita.

Entender cuáles son sus opciones ahora puede hacer una gran diferencia en el futuro.

Michelle Burgos, CDPE - www.FLAvoidForeclosure.com

7 Most Dangerous Short Sale Myths

Sat, 07 Nov 2009 00:08:47 -0600

There are millions of homeowners just like you who are looking for answers and don't know what to do. You're not alone and you're in the right place.

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Despite my best efforts, there's still an overwhelming amount of misinformation about the options available, especially short sales.

To give you a better idea of the short sale option, and to set straight some of the myths you may have heard, I've prepared a free report just for you - please fill out the information below to receive your free report. This report will clarify the following myths:

The Bank Would Rather Foreclose Than Bother With A Short Sale
You Must Be Behind On Your Mortgage To Negotiate A Short Sale
There Is Not Enough Time To Negotiate A Short Sale Before My Foreclosure
Listing My Home As A Short Sale Is An Embarrassment
Short Sales Are Impossible And Never Get Approved
Banks Are Waiting On A Bailout And Not Accepting Short Sales
Buyers Are Not Interested In Short Sale Properties

These ideas are potentially harmful to homeowners seeking real solutions. I hope you'll review this information for yourself or share it with a homeowner in need.

In these times, we all need to know the truth to know how to get back on track.

If you have any additional concerns about this issue, or your circumstances are urgent, please give me a call.

Michelle Burgos, CDPE®
954-343-3104

www.FLAvoidForeclosure.com

The Truth About Mortgage Modifications

Mon, 02 Nov 2009 11:30:01 -0600

For those who qualify, a mortgage modification is the ideal remedy to their financial distress. I've prepared a FREE report on the truth about mortgage modifications to guide you through this important process. Simply click here to get this valuable information, and feel free to pass it along to anyone who may need it. One homeowner lost to foreclosure is one too many!

As a Certified Distressed Property Expert, I have training and experience in providing solutions to homeowners facing financial hardship. Together, we can formulate a plan to get back on track.

If you have any unanswered questions, or your circumstances are urgent, please call or email me today at Info@MichelleCanHelp.com.

Michelle Burgos, CDPE®
954-343-3104

Don't Believer Everything You Hear: Foreclosure Vs. Short Sale

Tue, 08 Sep 2009 15:55:32 -0500

Don't Believer Everything You Hear!

You need to have the CORRECT information. That's why I'm glad you're here. To help, I've prepared a free report-just for you-that compares the realities of foreclosures and short sales side-by-side. Simply provide your information below, and I'll send you this report.

If you have any additional concerns about this issue, or your circumstances are urgent, please feel free to give me a call. I can help you evaluate your options and get you back on track to a secure financial future.

Michelle Burgos, CDPE® 954-343-3104

Options and Solutions for South Florida Home Owners in Foreclosure

Sun, 06 Sep 2009 23:31:04 -0500

As a real estate agent, what I often see in troubled homeowners is a belief that they are alone with their challenges. Regrettably, over 70% of homeowners in foreclosure proceed without ANY visible assistance. This is not acceptable for the communities I serve.

That's why I've developed this site: to ensure you get the valuable resources that can reduce your financial strain and change your life for the better. As a CDPE I know the options for homeowners in foreclosure or delinquent on their mortgages, and I can send you a report detailing this information, prepared just for you.

Let me help you evaluate your options and get back on track to a solid, stable future.

If you have questions or feel you may qualify for a short sale, please call me at (954) 343-3104 or Email me at Info@MichelleCanHelp.com for a free consultation.

"Understanding your options now could mean all the difference in the world!"

South Florida Short Sales Explained

Sun, 06 Sep 2009 23:22:10 -0500

A short sale can be an excellent solution for homeowners who need to sell, and who owe more on their homes than they are worth. In the past, it was rare for a bank or lender to accept a short sale. Today, however, due to overwhelming market changes, banks and lenders have become much more negotiable when it comes to these transactions. Recent changes in corporate policy and the Obama administration have also improved the chances of getting a short sale approved.

For homeowners to qualify for a short sale, they must fall into any or all of the following circumstances:

Financial Hardship
Monthly Income Shortfall.
Insolvency

Local Agent Provides Free Information Resources to Broward and Miami-Dade County Homeowners Facing Financial Hardships

Mon, 17 Aug 2009 12:06:40 -0500

Local Agent Provides Free Information Resources to Broward and Miami-Dade County Homeowners Facing Financial Hardships

New web sites present options for homeowners confronted with the possibility of foreclosure in Miami-Dade and Broward counties. www.MichelleCanHelp.com & www.FLAvoidForeclosure.com are two easy-to-use web sites providing vital information on the facts and issues affecting struggling homeowners. The information and materials located on these sites are regularly updated to reflect market changes, trends, new lender requirements, and industry updates to help homeowners make educated decisions about their financial future.

"I developed these sites with my community in mind," Burgos said. "When faced with the possibility of foreclosure, I've seen too many homeowners make poor choices, even walking away from their homes without calling their lender or a real estate agent. Most homeowners don't know the options available, or even how to find any information on their situation. Read more

FOR IMMEDIATE RELEASE: Local Agent Provides Free Information Resource to Miami-Dade & Broward County Homeowners Facing Financial Hardships

Tue, 11 Aug 2009 19:13:43 -0500

FOR IMMEDIATE RELEASE For more information, please contact:

Michelle Burgos, CDPE^®

C: 954-343-3104

Info@MichelleCanHelp.com

Local Agent Provides Free Information Resource to Miami-Dade & Broward County Homeowners Facing Financial Hardships

New Web site presents options for homeowners confronted

with the possibility of foreclosure.

Miramar, FL - August 11, 2009 - Local real estate agent and community advocate, Michelle Burgos of RE/MAX PowerPro Realty, today announced the creation of a new information Web site for Miami & Broward County area homeowners in distress. www.FLAvoidForeclosure.com contains vital facts about the options available to these homeowners, to help them make the educated decisions about their future.

"I developed this site with my community in mind," Burgos said. "When faced with the possibility of foreclosure, I've seen too many homeowners make poor choices, even walking away from their homes without calling their lender or a real estate agent. These people didn't know the options available, or even how to find any information on their situation.

"I want more for the people of Miami & Broward Counties, and more comes with making informed decisions."

www.FLAvoidForeclosure.com acts as a hub for information on the facts and issues for struggling homeowners, putting all the necessary information in one, easy-to-use location. The information and materials located on the site are regularly updated to reflect market changes, trends, new lender requirements, and industry updates.

Alex Charfen, co-founder and CEO of the Distressed Property Institute in Austin, Texas, said that more than seven out of 10 homeowners in foreclosure proceed without any visible assistance.

"Agents with the Certified Distressed Property Expert^® designation are helping distressed homeowners understand that there may be options available to them," Charfen said. "Burgos has been trained to help homeowners avoid foreclosure, and this web site resource to educate the community is a commendable public service."

The CDPE designation provides real estate professionals with specific understanding of the complex issues confronting the real estate industry. Through comprehensive training and experience, CDPEs are able to provide solutions for homeowners facing hardships in today's market.

For more information about CDPE Designation, visit www.cdpe.com.

10 Alternatives to Foreclosure for Homeowners in Distress.

Tue, 11 Aug 2009 18:55:21 -0500

The current US housing market and national financial crisis have caused untold stress and heartache for many American families. Foreclosure is one of the most devastating financial challenges that a family can face and one that many times can be avoided. The options for foreclosure are many, following is a brief explanation of these solutions. Now more than ever, it is important for you to understand these options to find the best solutions for you.

The information provided in this FREE Report represents only a summary of some of the solutions available to homeowners facing foreclosure. Please call me today for a free confidential evaluation of your individual situation, property value and possible options.

You are to be commended for your courage and dedication in learning all you can about your situation. In order to make the best decision, you need to have all the information. Remember, you're not alone, and if there is any way that I can be of assistance to you, please don't hesitate to call @ 954-343-3104.

What Would You Do With $8,000?

Wed, 05 Aug 2009 13:21:41 -0500

Audio Files for Podcasts: English Spanish

If you are a First Time Home Buyer, meaning you and/or your spouse has not owned a primary home in the past three years, and you purchase a home between April 9, 2008 and December 31, 2009, you may qualify for a tax credit of up to $8,000.

Please feel free to contact us with any questions you may have.

We are here to help!

buy short sale,short sale,bank owned homes,reos,foreclosures in miramar pembroke pines,davie,hollywood fl,first time home buyers 8,000

New Website Helps Florida Homeowners Avoid Foreclosure!

Tue, 14 Jul 2009 22:32:48 -0500

Michelle Burgos FOR IMMEDIATE RELEASE: Michelle Burgos, CDPE has just launched a new website that will assist Florida Homeowners AVOID FORECLOSURE! If you or someone you know is having trouble keeping up with mortgage payments and need infomation about the FL Foreclosure process please visit us at www.FLAvoidForeclosure.com

Michelle Burgos, Short Sale "EXPERT!" :: RE/MAX PowerPro Source: www.FLAvoidForeclosure.com Foreclosure is "NOT" the only way out! Let us help you explore your options...and hold your hand as you walkthrough the road to recovery!

FREE MOCHAS @ McDonald's! I'm Lovin' It!

Thu, 09 Jul 2009 23:56:35 -0500



McDonald's brightens Mondays with free McCafe samples

Great Way to Start the Week FREE MOCHAS @ McDonald's July 13th - August 3rd. I'm Lovin' It! You will have a choice of a 7 ounce iced McCafe or 8 ounce hot McCafe on the house! ENJOY!

Don't get stuck with a mortgage company that drops the ball & leaves you waiting around helplessly when trying to buy your new home!

Tue, 23 Jun 2009 16:35:07 -0500

The home buying process is quite complicated, and nothing will throw a wrench into things faster than a mortgage company that drops the ball.

When buying a home with us, you are free to use any lender you wish, however, we strongly recommend that you use one of my preferred lenders. They can meet or beat the interest rate and pricing of any other lender, plus you will never be at the mercy of some outside company - waiting around helplessly trying to find out the status of your loan from some mysterious unknown person.

You may If not, here is a list of items you should bring to your loan application.

1) W-2 (2 years) & current pay stubs
2) Past 2 years pay history for landlord/mortgage company
3) Employment information (2 year history)
4) All bank account numbers and balances
5) Last 3 month's bank statements
6) Open loans-names, addresses, account #, balances, monthly payments
7) All information on any other real estate loans
8) Drivers' license or other photo ID
9) Check for credit report
10) Certificate of eligibility or DD214 (VA loan only)
11) Self employed: Last 2 year's complete tax returns, year to date Profit & Loss Balance Sheet

The next step is for you to come into the office for your initial consultation. We will sit down and evaluate your situation, and determine if it is in your best interests to proceed with buying a home at this time.

Michelle Burgos, GRI, CDPE, REALTOR * RE/MAX PowerPro * 4301 Flamingo Rd 101 * Davie * FL * 33330

THE SIX STEPS OF THE FORECLOSURE PROCESS

Thu, 18 Jun 2009 12:15:21 -0500

THE SIX STEPS OF THE FORECLOSURE PROCESS

The first step of this process is the "NOTICE OF INTENT TO ACCELERATE". This comes BEFORE the big package....Sometimes certified mail.    It means "you have not paid AND if you do not pay by such and such date, we call a foul!" A default! And our note says we have the right to call the loan due in full if you stop making payments. Sometimes people think this "date by which the past due balances must be paid" is the day you get foreclosed on. NO. This is just a written notice, that says you better pay by August 10^th (as an example) or else we call a breach of the instrument you signed at closing.....Sometimes people think the acceleration date is the same as the foreclosure date, or the last day to pay.....IT IS NOT. YOU STILL OWN THE HOUSE AFTER THE "acceleration date" passes.

Then you get the big package of papers (SUMMONS) saying you have 20 days to respond is served upon you by BSO or some other process server. Sometimes this is called NOTICE OF HEARING.   Meet the server, and accept the package. Sign for it...You are not signing away the house. Sometimes people think that when they are served with the "foreclosure papers" they have been foreclosed on UPON receipt. YOU STILL OWN THE HOUSE, after you are served with these documents.

In 20 days there will be a hearing. Either you will hire an attorney and dispute the foreclosure action because you DID pay the mortgage and you do not accept the fact that those payments were not received, OR you stay home, do not attend the hearing because there is nothing to say, and they grant the foreclosure judgment to the bank. THE DAY OF THIS HEARING IS NOT THE DAY THE BANK "TOOK" your house. YOU STILL OWN THE HOUSE, after this hearing. (During this time you will get hundreds of letters from investors offering to buy your house, realtors wanting to list your house, lenders wanting to refi your house. BE VERY CAREFUL DURING THIS TIME. Most of what you get in the mail are sales and solicitations.....It is easy to miss important documents because you are inundated with "official looking mail" that is really just junk mail. You will quickly find when you call these people who buy your name from a list, that all are trying to sell you something or "save you" in some way. Some are legitimate operations. MANY ARE NOT.

After the hearing date, the bank has entered a default judgment which gives them the right to take the house back now....Then the file is given to a local attorney....(four   of the biggest are David Stern's office, Smith Hyatt & Diaz, Echevarria, Codilis, & Stawiarski, and Butler & Hosch.). Now the attorney will start contacting you and sending you letters. They are the people that are going to take the legal steps necessary to actually foreclose on you. They do the title work. They set up the sale date. THEY HAVE NO AUTHORITY to do any payment arrangements with you, stop the sale, or approve a short sale....You must go back to your bank for this. They are simply doing the legal legwork to set up the sale. THEY DO NOT OWN THE HOUSE. YOU STILL OWN THE HOUSE. They are exercising the banks right to foreclose under the terms of the note you signed at closing.

There is approx. another 60 days (some attorneys are faster ....others are slower) of legal work to be done. I have never seen a sale date set faster than 60 days from the hearing date. Sometimes it can take a year! As things become more streamlined the process may speed up. You will get lots of paperwork from the attorney that is confusing looking. Very few documents require action on your part. Remember, YOU STILL OWN THE HOUSE.

BE HYPER AWARE of a document which says "SALE DATE" or "AUCTION DATE". It will come in the mail....Sometimes certified, and will probably be from the foreclosure attorney.   THIS IS THE DAY YOUR HOUSE WILL BE SOLD ON THE COURTHOUSE STEPS. THIS is the day you have "LOST YOUR HOUSE". THIS is the day when the ownership of your house changes hands. THIS is the day you should be out of your house.   If you miss this document, you will have an ugly surprise after auction. Once you get the document that says SALE DATE or AUCTION DATE, the end is near. The sale is usually set up sometime within 30 days of the day you get this document. THE SALE CAN BE CANCELLED EVEN ON THE DAY OF THE AUCTION, if you come to terms with the bank on a short sale, and the negotiator agrees to the sale, OR if you come up with the money that is past due. So it is not over until after the auction, but the end is rapidly approaching when you get this notice. CALL ME IMMEDIATELY when you get this sale date.

Our job is to try and get a short sale to close, before step 6 happens. It is a race with the bank to try and get the house closed to a short sale buyer before the bank takes the house to auction...

We can only accomplish this if we work together as a team, and fully understand that "Time is of the Essence."

Copyright © 2009 Michelle Burgos/RE-Wish Team ~ RE/MAX PowerPro
Portions Copyright © 2009 a la mode, inc.

REAL Estate Agent/REALTOR South Florida - Miramar - Pemboke Pines - Davie - Cooper City - Miami - Ft Lauderdale - Plantation Florida

Tue, 16 Jun 2009 22:23:36 -0500

Michelle Burgos, CDPE, GRI, AHWD, Lic. Mortgage Broker

Member Bio:

REALTOR - LIC. MORTGAGE BROKER - TEAM LEADER

After obtaining an Associates degree in accounting back home in New York, Michelle relocated to Florida in 1996 with her daughter Ariana and husband Tony.

That year, Michelle and Tony became Co-Owners of a successful commercial air conditioning corporation, which they currently still own and operate.

As a small child, Michelle was introduced to the world of real estate. She, on many occasions sat in as her father's assistant and accompanied him on his appointments, as he was a real estate broker/owner and investor. Michelle always had a passion for real estate but never pursued it. In 2000, Michelle decided to follow her childhood dream of becoming a Realtor.

Today, she is a "Full-Time" Realtor & Lic. Mortgage Broker that specializes in residential home sales throughout Broward and Miami-Dade Counties in South Florida, with special emphasis in the communities of Davie, Davie, Miramar, Hollywood, South West Ranches, Cooper City, Plantation, Sunrise, Tamarac, and Ft. Lauderdale.

Being a strong believer in continuing education, (in order to better serve her expanding customer base) she has attended many board seminars and state conventions over the years to enhance her knowledge in the real estate industry.

In 2003, Michelle earned the Graduate Realtor Institute (GRI) designation, which has prepared her to provide high levels of professional service to her clients by securing a strong educational foundation. The GRI designation is obtained by attending a specific, intensive series of 90 hours of classroom instruction, covering subjects in contract law, professional standards, sales and marketing, finance, and risk reduction. The subject matter has been chosen to educate practitioners about local, state and national real estate practices that affect them, their clients and customers.

Michelle has met the requirements to obtain the At Home with Diversity, One America designation awarded by the National Association of Realtors (NAR), and the U. S. Department of Housing and Urban Development (HUD) thereby recognizing her as a leader in the practice of expanding homeownership opportunities to our nation's minority and immigrant families and communities.

Most recently she earned the Certified Distressed Property Expert Designation (CDPE). Michelle is a professional with specific understanding of the complex issues confronting the real estate industry. Through comprehensive training and experience, Michelle is able to provide solutions for homeowners facing hardships in today's market.

The prospect of foreclosure can be financially and emotionally devastating, and often homeowners proceed without guidance of any kind. In today's complex real estate market the best course of action for a homeowner in distress is to speak with a well-informed, licensed real estate professional. As a CDPE Michelle has the tools needed to help homeowners find the best solution for their situation.

Michelle is committed to providing her valued customers with professional, courteous, and timely service. Her guiding principle is being "Not just a Real Estate Agent - A Realtor for Life." She is computer savvy and is always looking for new technologies that will enhance her ability to serve her customers more effectively. That being said, Michelle has developed an enhanced marketing plan that utilizes the Internet among other unique techniques to expose the homes she markets to the greatest number of prospective buyers, and to help buyers find the home of their dreams.

Michelle works with both Buyers and Sellers, and takes great pride in helping them achieve their real estate goals.

Memberships & Network Groups:

National Association of REALTORS (NAR)
Florida Association of REALTORS (FAR)
REALTOR Association Greater Miami & the Beaches
RE/MAX International
Certified Distressed Property Expert (CDPE)
Certified Distressed Property Expert (CDPE Advanced Member)
Graduate REALTOR Institute (GRI)
At Home With Diversity (AHWD)
One America
Notary Public
Guaranteed to Move You!

Real Estate Designations:

REALTOR, CDPE, GRI, AHWD, Licensed Mortgage Broker, Notary Public.

Awards & Achievements:

CDPE Advanced
Creator Facebook Group - Foreclosure Prevention Team
RE/MAX International
Graduate REALTOR Institute (GRI)
At Home With Diversity (AHWD)
One America
Notary Public
Lic. Mortgage Broker
Star Power Member

BREAKING NEWS: Federal program to help first-time buyers use tax credit for downpayment

Thu, 14 May 2009 14:59:47 -0500

The First-time buyers tax credit of $8,000 has been changed to benefit home buyers in Florida. Federal Housing Administration (FHA) would allow its lenders to credit homeowners up to $8,000. If you are a first time home buyer or have not owned a home in your name in the past 3 years you may qualify for up to $8,000 towards closing costs.

To Learn more visit: http://www.floridarealtors.org/NewsAndEvents/n1-051309.cfm

I AM ALSO A REALTOR..."I CAN Help "ALL" Buyers Buy Homes and "ALL" Sellers Sell Homes!

Thu, 14 May 2009 09:42:43 -0500

I had an interesting conversation with a gentleman the other day, that happens to be a family member of one of my Short Sale clients. I am helping his son Avoid Foreclosure.  I have been dealing with the father directly as a point of contact as the son now lives in another state and has given his father the POA.

We were conversing and he says to me, "Michelle, I am looking to purchase a home on my own and I was wondering if you will be able to help me with that?"

I replied, "of course I can"

He said, "Oh, I didn't know you do that you also sell homes! I thought you only worked with Short Sales helping people Avoid Foreclosure"

I can not explain what I felt at the moment but I can say one thing that sure was on big eye opener. That was a very important point he made and I feel that I need to get the word out...because consumers don't always understand our Real Estate Language.

I am a Short Sale Expert assisting homeowners Avoid Foreclosure and... I AM ALSO A REALTOR!

I CAN Help "ALL" Buyers Buy Homes and "ALL" Sellers Sell Homes!

My expertise in Short Sales and Foreclosures is an Added BONUS that I provide to valued clients. But, above all...

I AM A REALTOR!

I have spent a lot of time this past year advertising my services to homeowner in distress because I want to let them know that there are options and people who care to help.

I guess at some point I crossed the line and neglected to tell everyone that I still am a REALTOR and do provide "traditional real estate services" to buyers & sellers as well.

www.RealEstateWish.com * www.MichelleCanHelp.com

THERE IS LIGHT AT THE END OF THE TUNNEL....

Thu, 14 May 2009 09:01:00 -0500

We're all facing tough times. The reality is, you or someone you know may be confronted with true hardships that make the future seem uncertain. But don't let the possibility of foreclosure be a means for panic.

There are better paths ... and as a CDPE-designated agent, I can help you find the best path for you and your family.

Now is the time to learn your options. Feel free to contact me with your questions about first steps.

www.MichelleCanHelp.com * www.RealEstateWish.com

Buying Short Sales, Foreclosures, Bank Owned Properties (REO) in a Buyer's Market - Part 1

Wed, 13 May 2009 11:10:06 -0500

When looking to purchase a short sale or foreclosure you should discuss the following with your agent:

Multiple Contracts - When you are purchasing a home and put it ‘under contract' you should be the only buyer pursuing that property. If the listing agent will be submitting your contract as one of many, to the lender or even worse signing multiple contracts you are in essence entering into a blind auction for real estate. Unless you are an experienced investor, this is unlikely a situation you will be comfortable in.

Inspection Allowances - Regardless of what type of property you decide to purchase you need to make certain you have the right to have a professional fully review the property and report to you their findings. This is critical.

Submit a Strong Contract - treat a short sale or an REO like any other contract and put your absolute best offer forward. If you truly want to purchase the property in question make your offer count.

Hire and Educated and Highly Experienced Agent

A short sale or foreclosure purchase is not a typical real estate transaction. They can be difficult and come with their own specific challenges however the right agent can help guide you through this process and help you purchase the property you are looking for.

www.RealEstateWish.com * www.MichelleCanHelp.com

Short Sale Process- How do I get this done?

Mon, 04 May 2009 18:04:25 -0500

Short Sale Process- How do I get this done?

In order to successfully sell your property through a short sale, you will need to fully cooperate with your real estate professional. Your assistance in this process will give you the highest likelihood of a successful outcome, a sale and, most importantly, a foreclosure avoided.

Here is a simple list of items you can take care of immediately:

Prepare your property for sale. This includes: remove all clutter, make sure all lights work, clean out your property and make it as presentable as possible. Your agent will have additional suggestions for you. However, there is no reason not to get started now.

Gather the required paperwork and documentation that your agent will need in your fi rst meeting you have. See the list below.

If you believe a short sale is the right option for you, list your property with the qualified CDPE professional that provided you with this information. They will help guide you through this process.

www.MichelleCanHelp.com

Michelle Burgos, cdpe, gri, ahwd, lic. mortgage broker

Paperwork Needed for a Loan Modification or Short Sale

Mon, 04 May 2009 17:47:20 -0500

Paperwork Needed for a Short Sale

In order to demonstrate to your lender that you qualify for a short sale, your agent will need the following documentation:

Two months' most recent

mortgage statements (all mortgages)

Two months' checking

account statements (all borrowers if separate)

Two months' saving account

statements (all borrowers if separate)

Two months' other account

statements (all borrowers if separate)

Last two paycheck stubs (all borrowers)

Two years' tax returns

Hardship Letter (see samples)

Financial Worksheet (provided)

Any other documentation to

help your agent prove your hardship

www.MichelleCanHelp.com

Michelle Burgos, cdpe, gri, ahwd, lic. mortgage broker

9 Critical Steps Guarantee Your Success in Real Estate - MUST SEE

Tue, 28 Apr 2009 17:30:09 -0500

HELP HOMEOWNERS IN DISTRESS!!!

Real Estate Professionals: You NEED to SEE this if you want to to succeed in Real Estate.

Michelle Burgos, cdpe, gri, ahwd, lic. mortgage broker

FYI: Three Must Have Qualifications for a Short Sale Approval

Fri, 10 Apr 2009 15:42:01 -0500

There are "Three Qualifications" a Homeowner MUST have to qualify for a short sale. They are as follows:

Financial Hardship

Monthly Short Fall

Insolvency

If you are a homeowner and would like to know if you qualify for a short sale and or any other work out plan to Avoid Foreclosure, Contact Us today.

If you are a buyer looking to purchase a short sale or pre-foreclosure, make sure your agent is qualified in working with short sales and knows what it takes to get you to the closing table. If you would like to be represented by a qualified agent CDPE, we can help. Contact Us we will guide you through the entire process from contract to closing!

FREE REPORT: Visit MichelleCanHelp.com

	Michelle Burgos, CDPE, GRI, AHWD, Lic. Mortgage Broker
Member Bio:
REALTOR - LIC. MORTGAGE BROKER - TEAM LEADER After obtaining an Associates degree in accounting back home in New York, Michelle relocated to Florida in 1996 with her daughter Ariana and husband Tony. That year, Michelle and Tony became Co-Owners of a successful commercial air conditioning corporation, which they currently still own and operate. As a small child, Michelle was introduced to the world of real estate. She, on many occasions sat in as her father's assistant and accompanied him on his appointments, as he was a real estate broker/owner and investor. Michelle always had a passion for real estate but never pursued it. In 2000, Michelle decided to follow her childhood dream of becoming a Realtor. Today, she is a "Full-Time" Realtor & Lic. Mortgage Broker that specializes in residential home sales throughout Broward and Miami-Dade Counties in South Florida, with special emphasis in the communities of Davie, Davie, Miramar, Hollywood, South West Ranches, Cooper City, Plantation, Sunrise, Tamarac, and Ft. Lauderdale. Being a strong believer in continuing education, (in order to better serve her expanding customer base) she has attended many board seminars and state conventions over the years to enhance her knowledge in the real estate industry. In 2003, Michelle earned the Graduate Realtor Institute (GRI) designation, which has prepared her to provide high levels of professional service to her clients by securing a strong educational foundation. The GRI designation is obtained by attending a specific, intensive series of 90 hours of classroom instruction, covering subjects in contract law, professional standards, sales and marketing, finance, and risk reduction. The subject matter has been chosen to educate practitioners about local, state and national real estate practices that affect them, their clients and customers. Michelle has met the requirements to obtain the At Home with Diversity, One America designation awarded by the National Association of Realtors (NAR), and the U. S. Department of Housing and Urban Development (HUD) thereby recognizing her as a leader in the practice of expanding homeownership opportunities to our nation's minority and immigrant families and communities. Most recently she earned the Certified Distressed Property Expert Designation (CDPE). Michelle is a professional with specific understanding of the complex issues confronting the real estate industry. Through comprehensive training and experience, Michelle is able to provide solutions for homeowners facing hardships in today's market. The prospect of foreclosure can be financially and emotionally devastating, and often homeowners proceed without guidance of any kind. In today's complex real estate market the best course of action for a homeowner in distress is to speak with a well-informed, licensed real estate professional. As a CDPE Michelle has the tools needed to help homeowners find the best solution for their situation. Michelle is committed to providing her valued customers with professional, courteous, and timely service. Her guiding principle is being "Not just a Real Estate Agent - A Realtor for Life." She is computer savvy and is always looking for new technologies that will enhance her ability to serve her customers more effectively. That being said, Michelle has developed an enhanced marketing plan that utilizes the Internet among other unique techniques to expose the homes she markets to the greatest number of prospective buyers, and to help buyers find the home of their dreams. Michelle works with both Buyers and Sellers, and takes great pride in helping them achieve their real estate goals. Memberships & Network Groups: National Association of REALTORS (NAR) Florida Association of REALTORS (FAR) REALTOR Association Greater Miami & the Beaches RE/MAX International Certified Distressed Property Expert (CDPE) Certified Distressed Property Expert (CDPE Advanced Member) Graduate REALTOR Institute (GRI) At Home With Diversity (AHWD) One America Notary Public Guaranteed to Move You!
Real Estate Designations:
REALTOR, CDPE, GRI, AHWD, Licensed Mortgage Broker, Notary Public.
Awards & Achievements:
CDPE Advanced Creator Facebook Group - Foreclosure Prevention Team RE/MAX International Graduate REALTOR Institute (GRI) At Home With Diversity (AHWD) One America Notary Public Lic. Mortgage Broker Star Power Member

bRAINstorming: Real Estate Blog: Miramar, Pembroke Pines, Davie, Weston, Cooper City

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Breve Explicación de las Ventas Cortas (Short Sales)

7 Most Dangerous Short Sale Myths

The Truth About Mortgage Modifications

Don't Believer Everything You Hear: Foreclosure Vs. Short Sale

Options and Solutions for South Florida Home Owners in Foreclosure

South Florida Short Sales Explained

Local Agent Provides Free Information Resources to Broward and Miami-Dade County Homeowners Facing Financial Hardships

FOR IMMEDIATE RELEASE: Local Agent Provides Free Information Resource to Miami-Dade & Broward County Homeowners Facing Financial Hardships

10 Alternatives to Foreclosure for Homeowners in Distress.

What Would You Do With $8,000?

New Website Helps Florida Homeowners Avoid Foreclosure!

Michelle Burgos, Short Sale "EXPERT!" :: RE/MAX PowerPro Source: www.FLAvoidForeclosure.com Foreclosure is "NOT" the only way out! Let us help you explore your options...and hold your hand as you walkthrough the road to recovery!

FREE MOCHAS @ McDonald's! I'm Lovin' It!

McDonald's brightens Mondays with free McCafe samples Great Way to Start the Week FREE MOCHAS @ McDonald's July 13th - August 3rd. I'm Lovin' It! You will have a choice of a 7 ounce iced McCafe or 8 ounce hot McCafe on the house! ENJOY!

Don't get stuck with a mortgage company that drops the ball & leaves you waiting around helplessly when trying to buy your new home!

THE SIX STEPS OF THE FORECLOSURE PROCESS

REAL Estate Agent/REALTOR South Florida - Miramar - Pemboke Pines - Davie - Cooper City - Miami - Ft Lauderdale - Plantation Florida

BREAKING NEWS: Federal program to help first-time buyers use tax credit for downpayment

I AM ALSO A REALTOR..."I CAN Help "ALL" Buyers Buy Homes and "ALL" Sellers Sell Homes!

THERE IS LIGHT AT THE END OF THE TUNNEL....

Buying Short Sales, Foreclosures, Bank Owned Properties (REO) in a Buyer's Market - Part 1

Short Sale Process- How do I get this done?

Paperwork Needed for a Loan Modification or Short Sale

9 Critical Steps Guarantee Your Success in Real Estate - MUST SEE

FYI: Three Must Have Qualifications for a Short Sale Approval

McDonald's brightens Mondays with free McCafe samples

Great Way to Start the Week FREE MOCHAS @ McDonald's July 13th - August 3rd. I'm Lovin' It! You will have a choice of a 7 ounce iced McCafe or 8 ounce hot McCafe on the house! ENJOY!