Fernando Herboso-Real Estate in Maryland

Short Selling Investment Properties. . . What Are Your Options in Maryland?

Wed, 08 Feb 2012 22:03:45 -0500

My phone was ringing. .

"Hello?"

"I've screwed up BIG TIME"

A familiar friendly voice told me on the phone.

"Why?" I asked. .

"I broke my own rules on an investment purchase. A mistake that is sucking me dry, I'm on my way for the worst real estate loss I've ever experienced, EVER!"

"Calm down, maybe there is something we can do . . tell me a little more. .all I could say. .

"When I purchased a condo in this building four years ago . .it seemed to be the best investment I could do. The renter paid my mortgage for the first two years and then. . but it slowly started giving me negative cash flow. . I'm currently $700 negative cash flow every month!" she yelled.

The real estate crisis has been particulate tough for investors that were heavily burden with variable rate loans.

As investors quickly were finding out, their investment properties purchased a few years ago as a way to grow a retirement fund. ..slowly become a nightmare that was jeopardizing any plans of retirement.

Normally an investor uses sophisticated real estate investment strategies, formulas and criteria that they believe will work best for then in the short and long term.

They got caught. I know of many people that have 3, 4, 5 even 6 properties in their portfolio and they are all underwater. . ALL OF THEM!

One of my rules as a Realtor/Investor has always been to avoid purchasing a home if they will give me a negative equity flow. . .unless they are superbly located for maximum equity growth.

When you take away the only reason/benefit why you should have purchased an investment property at first place . you are left holding a cement block while swimming. . You may last a few months but eventually, after you exhaust your credit and your 401 K. . . .You will begin to sink to the bottom.

Before, you did not really mind paying a few hundred dollars per month to the bank; when your investment property was capable to gains of $30K, $50K, even $70K in one single year!

Today is different . . .

You are in new and uncharted waters, a situation which we often refer to as being "upside down", whereas you as an investor can't sell the home for enough to walk away free and clear. . . while your renter is sucking your blood dry.

Forget about profit. . You just want to break even!

If you don't have money to bring to the closing table, you are in a bad sticky situation. . and time is not your friend.

When you consider the flimsy outlook for real estate growth in our Maryland region for the next ten years . . . 3 to 5% per year?. . .and we may not be in the bottom yet!

Let's say you have 4 investment properties that are underwater with a $200,000 equity deficit

You may still have a little money to last you maybe a few more months. .

You can elect to stick it out and hope for another boom in real estate. .

Yeah right.. . Don't hold your breath

Kiplinger.com estimates a small rise in home prices this year and next but flat sales in general for the next 36 months.

Can you last 3 more years of negative equity?

What then?

Long term outlook is not any better.. .3 to 5% yearly gain . .and if we have a smooth road ahead.

Not good.. if you have negative cash flow every month.

It could be year 2020 before you break even.

Going back to my investor friend at the start of this post. .

When it gets to a point where she could not/or elect not to continue to pour more money into a seemingly investment gone bad, I advise her to start looking at "other" possible solutions.

If she was about to let it go into foreclosure, unable to make her payments anymore. .while the tenants are calling her almost every day to fix never ending problems/ . .

She was definitely in a nightmare!

Have you considered doing a short sale in all your properties?

She told me she considered but knew of the tax consequences of a 1099 for the amount forgiving by the bank. . she had to pay taxes on it and she just didn't want to do that.

I asked her then. .

"How much would you have to pay when/if the bank seeks a deficiency judgment against you then? "

I did not wait for an answer. .

"Over two hundred thousand dollars". . I quickly volunteered

"You are telling me that you want to avoid paying the IRS a few thousand dollars in taxes over having a foreclosure on your records and a possible deficiency judgment?"

She was quiet for a moment and I broke the silence.

"Call me if you want me to go over some details about this option"

She told me she would. . as she hanged up

I don't want to call her now,

It's her decision to make. . I will be there for her if she calls me. .

So far she still makes those extra payments to the banks. . And I recently learned she is also underwater on her own home.

I refused to call her.

When she needs my help, I know she will come.. . she knows that now. .

I just hope she calls me before she maximize her credit cards and run her 401K dry.

Don't be a victim of bad information!

There is currently a lot of bad and misleading information out there regarding short sales in Maryland DC and Virginia and you need to arm yourself with the facts before you take the next step you need to take.

The Worst Thing You Can Do Is Wait! Take Action Today!

Get the facts from a distressed property expert that has the ability to help you avoid a foreclosure by doing a Short Sale today!

Is A Short Sale an Option For Me?

This post was originally published in 2009

The outcome was mixed. . we helped her short sale her primary residence and two of her investment properties.

Bank of America was not a good particpant back then. .

Today, they have improved. . .but still. . the saga continues. .

Short Selling Investment Properties in Maryland

Free List Of Foreclosures Maryland - Montgomery - Frederick- PG Counties

Wed, 08 Feb 2012 19:00:38 -0500

FREE FORECLOSURES LIST
for
MARYLAND
DC
VIRGINIA
!

Looking for foreclosures?

Confused?

We help you be prepared..

How important is that?

"If you are not even sure what type of home to buy. .?"

Take it one step at a time. .

Before you even begin looking at homes, it is in your best interest to first establish your criteria.

If you don't have one. . It's a crap shoot!

Your criteria is reflects your limits and desires. .a good

Realtor will drill you and ask you questions so you will be

certain about the price range you should be looking for, the

specifics of the property and in general your overall criteria

Set your boundaries NOW!

Not later. . and then purchase your property with no fear. (As long as you stay inbounds. .. you are making the right decision regardless!)

"GOOD PLANNING IS ALWAYS A WISE MOVE. . ."

Look, I will make it very easy for you. . .it's your move

You can obtain a LIST of FORECLOSURES for Maryland DC and Virginia
by SUBSCRIBING AND PAYING MONTHLY TO ALL THESE SITES
Foreclosures In Maryland - for $39.95 per month
List of Maryland Foreclosures - variable monthly rate-$5.00 to cancel
Foreclosures & Auctions in Maryland - $19.95 per month
All Bank Owned Distressed Properties in Maryland - $39.95 per month
Foreclosures, HUD HOMES, REOS for Maryland -$9.95 per month
All Foreclosures for Maryland DC & VA - $9.95 PER WEEK!

OR

You can obtain a FREE LIST of ALL FORECLOSURES in MARYLAND DC and VIRGINIA
by SIGNING to our
FREE LIST SUBSCRIPTION HERE

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10 SECRETS YOU SHOULD KNOW BEFORE BUYING A FORECLOSURE

Foreclosures in Rockville Maryland
Foreclosures and Bank Owned Properties in Germantown Maryland
Foreclosures and Distressed Properties in Frederick Maryland
REO's and Foreclosures for Urbana Maryland
Foreclosures LISTS for Clarksburg Maryland
Bank Owned Properties and Foreclosures for Gaithersburg Maryland

Fernando Herboso
Herboso & Associates

Realtor/Consultants

" Phone: (301) 968-0555
Cell: (240)426-5754
www.ReallyNiceHomes.com

Free List of Foreclosures Maryland

Ernesto Che Guevara CAUTION - Graphic Pictures Cuban Revolutionary -

Wed, 08 Feb 2012 14:23:34 -0500

RENÉ CADIMA was my uncle. .

He died a few years ago. .

He was living in Vallegrande Bolivia when Ernesto "Che" Guevara was assassinated by soldiers in October 9^th 1967

He became famous worldwide because he was the photographer that recorded the historic moment

When "El Che"'s body was displayed in the open. . .

My uncle's pictures have been stolen and plagiarized many times all around the world

But he was the man that took these famous pictures on that faithful day. .

RENÉ CADIMA (read article about him here)

In 1996 I was visiting my uncle (the last time I saw him) and as he was fond of photographic cameras, he took a liking on my camera that I was using at that time.

I brought that camera from the USA where I reside now. .

I made a deal with my uncle. .

I asked him to make me a small little album from all the famous pictures of "El Che" and I promised my camera as an exchange

He smiled and agreed. .

A few days later before my departure he gave me this cheesy photo album. . .

I mean it was a cheap little album he found somewhere. .

Having it all these years, the album has even started to come up apart. . .

But the real prize was inside. .

My dear uncle put a collection of his famous pictures. .

I was floored. .

Here there were pictures after pictures of Ernesto "Che" Guevara

Like I never saw it before. .

While I was admiring my newly acquired album of these historic pictures, he filled me in about the details how he took these pictures. .

Page after page . . .

He even included new pictures he took when the remains of El Che were discovered in the small airport of Vallegrande Bolivia

And he even included some film (negatives)

You know the old types where you have to take it to be printed at the photo shop

I never really had it develop considering .. he gave me 3 frames of pictures he took about his work in print. .

He was a very proud man and I thanked him for the gift/exchange

He even included a letter signed by him. .

With a little more detail about his famous pictures. .

I have this album tucked away and from time to time, I look at it, enjoy it and smile at the memory of my uncle. .

He was a gentle and gifted man that lived a simple life and accidentally became famous

I decided to sell my album to someone that can appreciate the history and the beauty of his work. .

I figured it, by selling it, I will be able to buy the Spanish Guitar I've been wishing to get for a long time. .

But most importantly, I would love his work to be the center of attention for a Che Guevara connoisseur somewhere around the world

So his name can be recognized as the person that took some of the most famous pictures in the last 100 years

RENÉ CADIMA

Here's my uncle that collaborated and participated in the making of the film "The Hands of Che Guevara"

If you are interested in purchasing it..contact me or go directly to my eBay listing HERE

Fernando Herboso Cadima 240-426-5754

Silver Spring Market Report for January 2012 Homes For Sale 22905,22902,22904

Tue, 07 Feb 2012 22:58:37 -0500

A Sample of nice Homes that SOLD In

Silver Spring 22905, 22902, 22904

Silver Spring takes its name from a spring discovered in 1840. Francis Preston Blair likes the area so much that eventually bought much of the surrounding land. The area called Acorn Park in the south side of Silver Spring is believed to be the site of the original spring.

One of Silver Spring's most distinctive characteristics is that it has many churches, synagogues, temples, and other religious institutions, including the World Headquarters of the Seventh-day Adventist Church.

The major roads in Silver Spring are mostly 3 to 5 lane highways consisting of The Capital Beltway which can be accessed from Georgia Avenue (MD 97), Colesville Road (US 29), and New Hampshire Avenue (MD 650).

The newly constructed ICC Intercounty Connector has radically changed the way people move from point to point.

These nice houses JUST SOLD in the last 3 MONTHS in Silver Spring . .

OPPPS!.. .Are you missing the bottom of the market?

With interest rates below 4% and home prices at its lowest points for the last 5 years. .

How much lower do you want it to go?

Silver Spring Maryland is bouncing back and it is one of the hottest markets in Montgomery County Maryland as of January 2012

Do you need Representation? Do you need to know where the good deals are?

CALL ON US!

We will make the difference for you!

Here at Herboso & Associates, we understand what an important decision is finding just the right home . .

Our agents are committed to finding just the right place for you, your family, and even your beloved pets.

Our dedication to the buyers is unsurpassed in customer satisfaction.

Tell us -- How can we help you?

More About Silver Spring Maryland

Montgomery County Market Report for December 2011

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Silver Spring Maryland Nice Homes For Sale

Homes for sale in Silver Spring MD

Help Needed . . . Please Sign This Petition

Mon, 06 Feb 2012 18:47:39 -0500

Please read this request for simple signature to save someone;s life. . . . a father. .

Jesus Navarro’s wife wants to donate her kidney to him, but the hospital won’t let her -- Jesus could die.

Dear Fernando,

Jesus Navarro could die without a kidney transplant. His wife is a match, she wants to donate her kidney to save her husband's life, and Jesus even has health insurance to cover the transplant.

But because Jesus is undocumented, the University of California at San Francisco (UCSF) Medical Center is refusing to perform surgery, essentially leaving Jesus to die.

Donald Kagan understands what Jesus is going through better than most. Donald immigrated from Nicaragua, and he needed (and received) a kidney transplant that saved his life. Donald is now a partner at a technology firm in Berkeley, CA -- and he has offered to pay Jesus's post-surgery medical bills. ButUCSF Medical Center still says no.

Donald thinks it's unconscionable that UCSF Medical Center would deny Jesus medical treatment even though Jesus already has a willing kidney donor, insurance to pay for his surgery, and a benefactor to pay for his follow-up care. So Donald started a petition on Change.org asking UCSF Medical Center administrators to allow Jesus to get the kidney transplant that could save his life. Click here to sign Donald’s petition right now.

When doctors take the Hippocratic Oath, one of the things they swear is that, "I will remember that I remain a member of society with special obligations to all my fellow human beings, those sound of mind and body as well as the infirm." The administrators at UCSF Medical Center are forgoing their obligations as caregivers only because Jesus is undocumented.

After waiting for years for this surgery, Jesus was devastated to learn that it still might not happen. "He's afraid he might die," Jesus's sister told NBC News. "He might not see his daughter grow up."

The UCSF Medical Center administrators don't want a public relations disaster on their hands -- but that's exactly what they'll have if thousands of people sign Donald's petition and they still refuse to provide Jesus with the surgery that could save his life.

Click here to sign Donald's petition demanding that UCSF Medical Center allow Jesus Navarro to receive his wife's kidney and save his life -- a surgery that Donald himself will pay for.

Thanks for being a change-maker,

From

- Jackie and the Change.org team

Featuring Nice Homes For Sale in Tucson Arizona

Mon, 06 Feb 2012 12:30:10 -0500

Nice Homes for Sale in Tucson Arizona:

In Tucson Arizona

From time to time, we feature different markets to feature Nice Homes for Sale a world away from Maryland DC Virginia

Tucson Arizona is an amazing city with a mixture of many cultures. This beautiful city has experienced immense growth and development recently and many people have moved in seeking the success of the city's attraction

Much of Tucson's economic development has been centered on the development of the University of Arizona, which is currently the second largest employer in the city. The city of Tucson is also a major hub for the Union Pacific Railroad's Sunset Route that links the Los Angeles ports with the South / Southeast regions of the country.

Tucson Real Estate has not escaped the housing crisis, however looking at their latest statistics; it shows a resilient Tucson real estate market that seems to be leading the way of recovery.

If you looking to buy a home and wondering where (and how) to get the best deal out there. .

Wonder no more. .

A Tucson Realtor should be your first priority. One that can help you explore availability of different types of homes for sale. While there are some that are extravagant and expensive, some others are moderately priced and yet comfortable enough. It all depends on you preferences, your requirements and budget.

A Tucson Realtor will also analyze and give you assistance with real estate contract law that states all the conditions when purchasing a home. It will also help you avoid any legal problems at a later stage.

The architecture of homes for sale in Tucson Arizona are unique and perfect for the climate and the ambience

Some of the cultural attractions for Tucson Arizona are:

Arizona Historical Society

Tucson Gem, Mineral & Fossil Showcase is held annually in Tucson, and is the largest gem and mineral show in the United States.

The Fremont House is an original adobe house in the Tucson Community Center that was saved while one of Tucson's earliest barrios was razed as urban renewal Old Tucson Studios, built as a set for the movie Arizona, is a movie studio and theme park for classic Westerns.

The Tucson Museum of Art was established as part of an art school, the Art Center, which was founded by local Tucson artists including Rose Cabat

The University of Arizona Art Museum includes works by Franz Kline, Jackson Pollock and Mark Rothko as part of the Edward J. Gallagher Memorial Collection, a tribute to a young man who was killed in a boating accident. The museum also includes the Samuel H. Kress Collection of European works from the 14th to 19th centuries and the C. Leonard Pfeiffer Collection of American paintings.

International Wildlife Museum, which is five miles (8 km) west of Interstate 10, maintains an exhibition of over four-hundred different species from around the globe.

Tucson Real Estate is hot like the beauty of its desert. .

Nice Homes For Sale

Que Es Un Short Sale - Venta Corta - Informacion

Mon, 06 Feb 2012 09:57:19 -0500

Informacion en Español para dueños de casa que estan retrasados con sus pagos de mortgage.

El proceso de un short sale es cuando un dueño de casa vende su propiedad por menos de lo que se debe al banco.

La propiedad se vende por loque vale y no por lo que se debe al banco.

No deberia perder su casa en un foreclosure. .

El proceso de venta en short sale le da una buema opcion. y si usted tiene derecho a una venta en corta, comienza con una llamada a nuestras oficinas. Este le daria una oportunidad de aprender sobre el proceso y en general repuestas para cualquier pregunta que usted puede tener.

La calificación de una venta corta depende de muchos factores como finanzas y su condicion para trabajar y ganar dinero. Para ver si usted puede calificar usted puede ponerse en contacto con nosotros cualquier tiempo vía teléfono o correo electrónico, Nuestro tiempo y servicios son siempre el 100 % libres de cuaLquier obligacion de su parte.

Fernando Herboso esta licenciado en Maryland DC y Virginia para hacer Ventas Cortas (Short Sales) para sus clientes

Fernando Herboso es un autor de dos libros de Ventas Cortas en Ingles y ha sido graduado de dos entidades separadas que se especializan en Short Sales ( CDPE Certified Distressed Property Expert) y CDRS (Certified Default Resolution Specialist)

Fernando Herboso es un instructor de short sales y mantiene un programa de radio semanal acerca de short sale y tambien es contribuidor de articulos de short sales en Ingles y Español ha varios sitios en el Internet.

Cuanto Cuesta Hacer Una Venta Corta ? ( Short Sale)

Fernando Herboso

Broker- Realtor- Short Sales Expert

Herboso & Associates llc

www.ReallyNiceHomes.com

www.Short-Sales-Expert.com

www.Herboso.com

Office 240.898.1848

Cellullar 240.426.5754

Fax 888.813.3535

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Ventas Cortas - Short Sales- Que Es un Short Sale?

In Defense of the Short Sale Selling, Loan Mod Applying, Principal Reduction Requesting Public

Mon, 06 Feb 2012 09:43:14 -0500

A great post about the dilemma that faces a lot of homeowners today. .

Strtaegic Defaulst?

Loan Modifications?

Deed in Lieu?

Foreclosure?

A lot of problems . . not easy solutions. .

Via Tni LeBlanc REALTOR® Santa Maria CA Homes Central Coast:

In Defense of the Short Sale Selling, Loan Mod Applying, Principal Reduction Requesting Public

I just read the AR newsletter featured post entitled, “Rewards for being a debtor.. Punishment for those that are not,” and it really got me going this Sunday morning. Judi Barrett sets out her opinion as a free and clear homeowner who is troubled as she watches the government continue to offer program after program to try to solve the housing crisis. It is an interesting read but I disagree strongly that those who are being asked to wait in line for a government program are being “rewarded.” I know the fact that I live in California strongly affects my opinion in the matter -- the financial devastation here is just too great.

Interestingly, a few months ago, I was approached by a homeowner who felt similarly, and we had a great discussion. She was, what I would like to describe as the perfect hybrid, and thus a good illustration of the issues affecting us in California. Although she was not a cash buyer, she put $250,000 down on a $500,000 home. So, although she was a debtor, she clearly had the sensibilities of a cash buyer. And even with her large down payment, she was actually still underwater by $30,000 or $40,000 and she did not have the additional resources to sell or refinance her property. She also felt very strongly that people were being rewarded by the government for bad behavior. Of course she was going to continue to pay, she had invested so much with her down payment and all the payments she made toward her mortgage. However, a couple weeks after our conversation, she also lost her job due to the economic downturn. Personally, I hope that she is able to obtain some relief and save her home with a loan mod or complete a short sale and I don’t consider it a “reward.”

Here’s my take on the housing crisis. The lenders, in essence, introduced a bunch of straw buyers into the real estate marketplace. Their argument for why they did it is essentially that the government made the incentives to make fraudulent loans so delicious that they just could not resist. See they love money so much, they just had to do it. In fact, the money got so good and it was so easy that they wanted to speed up the process of making money even more, so they started committing more fraud (robo-signing) to make the original fraud more profitable. Yes, my friends this is high level finance we are dealing with here -- mere mortals just wouldn’t understand this stuff.

Resulting scenarios in California and other “Sand States” work something like this hypothetical: New home development built in 2004 - 2006. 200 houses and maybe 25 of the buyers could really afford the prices they paid AND they made down payments. And then there were of course those unfortunate enough to believe the bank would not loan you the money if you really could not afford it. These folks believed in the integrity of “the system” -- how unfortunate! They were sold interest only loans and ARMs that they cannot refinance out of now and they MIGHT have been able to keep up with their home enough to still have their name on the deed. They can make payments for awhile but they really can’t afford the prices they paid-- that's probably about 75 people out of the 200. Now they all received appraisals supporting those prices based on sales of homes made to at least 100 people who clearly could not afford those homes at all. Those bogus buyers were in essence straw buyers that quickly lost their homes. So, almost six or seven years after those homes were built, about 125 of those homes have probably gone through some sort of process, short sale or foreclosure. And more than likely almost all of those 25 people who could afford those prices are still left among the 75 who are still struggling or are applying for a loan mod. Now if you paid $500,000 for a $250,000 house because you were defrauded and $250,000 is subsequently reduced from the principal, where is the reward? If a court were to pronounce that judgment, not many would say it was unjust.

Those 25 people who could afford the prices they paid of course still feel defrauded, as it will take 10 -12 years of payments to get their loan balances down to the home prices of today and they cannot refinance to today’s lower interest rates. So, of course, the temptation to walk away is high -- but only because it is cheaper and more expedient than trying to sue. In fact, lenders are now beginning to include language in their short sale approval letters requesting waivers over their very many legal issues on these files. And in some cases, they are paying home owners to do short sales in order to clean the slate. So they are, in essence, seeking settlements. So, in my view, government efforts to intervene with “programs” are efforts trying to create a mass settlement of these legal issues. Something everyone can live with so we can all recover and move on. And, I do not envy those who are living in a home, cannot afford to sue, and are waiting around for the government to save them.

Many people I’m helping never envisioned being in the position of waiting on the government for a solution. Many are people who have never even had a derogatory on their credit report before these times. The solutions offered damage their credit, do nothing to address the investment they’ve lost, and in some cases they can be asked to pay taxes whether they get a loan mod, allow a foreclosure, or elect a short sale! Not to mention people who have lost jobs because this whole mess has affected the entire economy. Believe me, it takes a lot before people will walk away from a down payment and 6 or 7 years of payments, and that is what I see a lot of people doing in 2012. My phone has been ringing almost non stop for the past two months for short sale consults.

Rewards? Hardly. Are you going to benefit as a free and clear owner of property? Probably through a stabilized housing market and a better economy, but not directly, no. I do agree that the whole things stinks. However, saying that people who are applying for government assisted re-fi’s, loan mods with principal reductions, and short sales are being “rewarded” is not exactly accurate. They are, for the most part, good people trying to do the best they can in a bad situation.

Tni LeBlanc is an independent Real Estate Broker, Attorney, Short Sale Agent, Certified HAFA Specialist (CHS), and Certified Distressed Property Expert (CDPE) and Short Sale and Foreclosure Resource Agent (SFR) serving Santa Maria, Orcutt, Lompoc, Nipomo, and Arroyo Grande on the Central Coast of California.

* Nothing in this article is intended to solicit listings currently under contract with another broker. This article offers no legal or tax advice and is for information purposes only. Those considering a short sale are advised to consult with their own attorney for legal advice, and their tax professional for tax advice prior to entering into a short sale listing agreement.

Copyright © 2012 Tni LeBlanc *In Defense of the Short Sale Selling, Loan Mod Applying, Principal Reduction Requesting Public*

Really Nice Homes For Sale in Arlington Virginia 22207

Sat, 04 Feb 2012 14:53:23 -0500

A Sample of nice FEATURED Homes for sale In

Arlington Virginia 22207

Arlington County is a county in the Commonwealth of Virginia. The land that became Arlington was originally donated by Virginia to the United States government to form part of the new federal capital district. On February 27, 1801, the United States Congress organized the area as a subdivision of the District of Columbia named Alexandria County

Given the county's proximity to Washington, D.C., Arlington is headquarters to many departments and agencies of the federal government of the United States, including the Pentagon, the Department of Defense, the United States Drug Enforcement Administration, and the Defense Advanced Research Projects Agency (DARPA)

Now, let's check these houses for sale in Arlington Va. .

2330 VERMONT ST N, ARLINGTON, VIRGINIA 22207

Price: $1,650,000

Open House cancelled-2/5 Gorgeous stone craftsman an unbelievable value! 5 Years Young w/all the fi ...

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MLS# AR7725451

Bedrooms: 6

Bathrooms: 6

Partial Baths: 1

Square Ft: 6240

Acres: 0.302319

4011 RICHMOND ST N, ARLINGTON, VIRGINIA 22207

Price: $1,599,999

These (five) Four sided masonry homes are certified NAHB "green" homes & are designed w/ a commitmen ...

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MLS# AR7749479

Bedrooms: 5

Bathrooms: 4

Partial Baths: 1

Square Ft: 4700

Acres: 0.272153

6613 29TH ST N, ARLINGTON, VIRGINIA 22213

Price: $1,599,900

NEW CUSTOM BUILT HOME FROM SPRING STREET DEVELOPMENT CLOSE TO EFC METRO. 5B ...

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MLS# AR7655542

Bedrooms: 5

Bathrooms: 4

Partial Baths: 1

Square Ft: 5700

Acres: 0.229591

3008 TORONTO ST N, ARLINGTON, VIRGINIA 22213

Price: $1,599,000

OPEN HOUSE SUNDAY JAN 8TH 1-3 PM . SUBERB FINISHES & TOP QUALITY . SUNNY 5 bedrooms + 5 full baths, ...

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MLS# AR7656022

Bedrooms: 5

Bathrooms: 5

Partial Baths: 1

Square Ft: 6130

Acres: 0.266345

Do you want to see any of these properties ?. . Do you need Representation?

Remember the listing agents represent the sellers . ... not the buyers

They want to sell you these properties for the highest amount possible!

CALL ON US!

We will make the difference for you!

Here at Herboso & Associates, we understand what an important decision is finding just the right home . .

Our agents are committed to finding just the right place for you, your family, and even your beloved pets.

Our dedication to the buyers is unsurpassed in customer satisfaction.

Tell us -- How can we help you?

About Arlington Virginia

CNN Money ranked Arlington as the most educated city in 2006 with 35.7% of residents having held graduate degrees. Along with five other counties in Northern Virginia, Arlington ranked among the twenty American counties with the highest median household income in 2006. In August 2011, CNN Money ranked Arlington seventh in the country in its listing of "Best Places for the Rich and Single"

Thank You for stopping by,

www.ReallyNiceHomes.com

Arlington Nice Homes For Sale

Sample of Nice Homes for Sale In McLean Virginia 22101 - Luxury Homes

Sat, 04 Feb 2012 14:24:50 -0500

A Sample of nice Homes for sale In

McLean Virginia 22101

McLean Virginia enjoys one of the best locations in the DC Washington Area. The Capital Beltway, George Washington Memorial Parkway, Interstate 66, Dulles Access Road, Dolley Madison Boulevard/Chain Bridge Road, Georgetown Pike, and Old Dominion Drive all run through McLean.

Some of the most famous personalities that live in McLean Virginia are: Newt Gingrich, Colin Powell, William Cohen, Clarence Thomas, and many Members of Congress and Politicians

Real Estate in McLean has maintained its value in the last 3 to 5 years despite of what happened to the rest of the nation. If you want to see and preview some of this houses, most of them required strict instructions that one must adhere to.

McLean is s the location of the Central Intelligence Agency CIA

Now, let's check these houses for sale in McLean Va. .

1001 DOGUE HILL LN, MC LEAN, VIRGINIA 22101

Price: $7,995,000

Sitting at the end of a private cul-de-sac this extraordinary home has been meticulously restored. ...

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MLS# FX7651584

Bedrooms: 5

Bathrooms: 5

Partial Baths: 2

Acres: 0.894353

0 GALLANT GREEN DR, MC LEAN, VIRGINIA 22102

Price: $6,750,000

Every stud, sheetrock, electrical and plumbing has been replaced in this extensive renovation. Stat ...

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MLS# FX9000977

Bedrooms: 6

Bathrooms: 6

Partial Baths: 3

1463 KIRBY RD, MC LEAN, VIRGINIA 22101

Price: $4,250,000

This modern and elegant interpretation of a French Chateau has been completely renovated with interi ...

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MLS# FX7710409

Bedrooms: 4

Bathrooms: 5

Partial Baths: 2

Acres: 2.0003

Do you want to see any of these properties ?. . Do you need Representation?

Remember the listing agents represent the sellers . ... not the buyers

They want to sell you these properties for the highest amount possible!

CALL ON US!

We will make the difference for you!

Here at Herboso & Associates, we understand what an important decision is finding just the right home . .

Our agents are committed to finding just the right place for you, your family, and even your beloved pets.

Our dedication to the buyers is unsurpassed in customer satisfaction.

Tell us -- How can we help you?

About McLean Virginia

McLean is home to many diplomats, members of Congress, and high-ranking government officials partially due to its proximity to Washington, D.C. and the Central Intelligence Agency. It is also the location of Hickory Hill, the former home of Ethel Kennedy, the widow of Robert F. Kennedy.

Located between the George Washington Parkway and the town of Vienna, McLean is known for its many upscale homes, as well as for its high-end shopping, such as the nearby Tysons Corner Center and Tysons Galleria. Land values in McLean are among the highest in the Washington area.

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McLean Virginia Nice Homes For Sale

Our Newsletter: Compliments of Herboso & Associates 02/03/2012

Fri, 03 Feb 2012 15:08:44 -0500

The Funnies:

(Conversation taken from a social media site)

The first person that text me @ 240-426-5754 the word "MONEY" gets a $100 OFF Coupon of the settlement fee in conjunction with a real estate settlement conducted by Village Settlements

Nice Homes for sale In Rockville's King Farm – Maryland – 20850

A Sample of nice Homes for sale in Rockville – Maryland

Featuring ROCKVILLE's KING FARM NEIGHBORHOOD:

Read the rest here

For Rent

Charming Cape Cod home located just inside the beltway in Falls Church Virginia

Two Story Cape Cod

With 2 Extra rooms.. .for office / extra bedroom. . .

This charming Cape Cod home is located just inside the beltway in Falls Church Virginia, and situated on a prime location very close to transportation and convenient to Tyson's Corner and Washington DC. Fully renovated home, meticulously completed now awaiting for the new lucky tenant.

Read the rest here

This Rental will not last. . Don't Wait!

Call for an appointment

240.671.5542

PRINCIPAL REDUCTIONS - WILL THE BANK GUARANTEE THE VALUE OF YOUR HOME?

Often times I get this question a lot trough my website www.Short-Sales-Expert.com

"Why can the Lenders just reduce the principal so troubled homeowners can stay in their houses. . ."

Many reasons why this is not a popular choice for Lender. .

Mostly because if they agree to one, then their next door neighbors would want the same thing. And their next door neighbors and their next door neighbors and so on. . .until the banking industry collapses

Read the rest here

What Is The Result Of A Strategic Default On Your Mortgage?

The least we can do as Real Estate Agents that specializes in short sales is NOT TO JUDGE our clients when it comes to decisions such as this.

Its been a couple years since I wrote AdiosLender.com and there were a few instances where I was confronted with the contents of my eBook. .nevertheless, it got me a television interview and a couple guest appearances in a radio show.

When it comes to making decisions about your financial future, don't ever self-impose a moral obligation on your family.. . survival sometimes requires to make tough decisions. .

Read the rest here

"The number one "LOCAL" website to search for homes"

Join Our Team Because the Real Estate industry is becoming more challenging everyday, we seek professionals that understand the industry and are committed to stay ahead of the game At Herboso & Associates llc , we not only provide the best service, but we also have an excellent system in place to produce income for you. Calll Fernando Herboso for a confidential interview @240-426-5754

King Farm Rockville Maryland Nice Homes For Sale 20850

Fri, 03 Feb 2012 11:31:54 -0500

A Sample of nice Homes for sale In

Rockville - Maryland

Featuring ROCKVILLE's KING FARM NEIGHBORHOOD:

King Farm is a community founded in 1997. With space for living, working, shopping, near-transportation and recreation.

King Farm is located just across the street form the Shady Grove Metro.

Over 400 acres of conveniently located homes in the center of Montgomery County, Maryland.

King Farm is the model of new urbanism.

It is located between Interstate 270 to the west and the Shady Grove Metro transit station to the east.

King Farm is location "supremo" no doubt.

Check these houses for sale

203 SADDLE RIDGE CIR, ROCKVILLE, MARYLAND 20850

Price: $899,000

On one of the largest lots in KF facing the community center lawn this home comes with over 4,400 s ...

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MLS# MC7691953

Bedrooms: 4

Bathrooms: 4

Partial Baths: 1

Square Ft: 4448

Acres: 0.161111

313 TREEMONT WAY, ROCKVILLE, MARYLAND 20850

Price: $826,000

Well maintained Colonial style home with a completely redone master bathroom. The master bedroom ...

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MLS# MC7762342

Bedrooms: 4

Bathrooms: 3

Partial Baths: 1

Square Ft: 3646

Acres: 0.148921

808 ROYAL CRES, ROCKVILLE, MARYLAND 20850

Price: $799,000

Great single family home in King Farm. Wrap around front porch, 5 bedrooms, 4.5 baths, hardwood floo ...

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MLS# MC7732062

Bedrooms: 5

Bathrooms: 4

Partial Baths: 1

Square Ft: 3945

Acres: 0.098049

815 ROYAL CRES, ROCKVILLE, MARYLAND 20850

Price: $719,900

NICE SINGLE FAMILY HOUSE IN KING FARM. 4 BEDROOM, 3.5 BATH. HARDWOOD FLOOR ...

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MLS# MC7764466

Bedrooms: 4

Bathrooms: 3

Acres: 0.084917

Do you want to see any of these properties ?. . Do you need Representation?

Remember the listing agents represent the sellers . ... not the buyers

They want to sell you these properties for the highest amount possible!

CALL ON US!

We will make the difference for you!

Here at Herboso & Associates, we understand what an important decision is finding just the right home . .

Our agents are committed to finding just the right place for you, your family, and even your beloved pets.

Our dedication to the buyers is unsurpassed in customer satisfaction.

Tell us -- How can we help you?

About King Farm in Rockville MD. . .

It Has A DOG PARK NEARBY!

This park is located in the newly constructed Mattie J. T. Stepanek Park, along Pleasant Drive at Piccard Drive. The park is free to Rockville residents, but you must complete and return a participation agreement to be eligible to use the dog park. Non-residents and unlicensed dogs and their owners will not be permitted to use the dog park.

Two fenced-in dog run areas, one for small dogs and one for large dogs.

For more info, please visit http://www.rockvillemd.gov/parks-facilities/dogpark.htm

To get customized reports for relocating families or specific school assignments, please send your request to mailto:info@ReallyNiceHomes.com

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Rockville Maryland Homes For Sale

King Farm Rockville Real Estate

Germantown Maryland Featured Homes For Sale 20874 20876

Fri, 03 Feb 2012 10:54:28 -0500

A Sample of nice Homes for sale AVAILABLE In

Germantown - Maryland 20874-20876

Germantown Maryland has approximated 60,000 residents and is located in the heart of the state of Maryland in Montgomery County.

This primarily residential community has experienced a robust and significant growth due to its proximity to Washington DC

The city boasts one of the best prices in real estate in Montgomery County less than 40 minute drive to downtown DC.

As soon as you arrive home . .(if you choose Germantown as your residence) , you will feel the welcome of its residents, it offers modern convenience with plenty of restaurants, village style shops and a Town Centerthat is the envy for all the surrounding communities around.

The best of both worlds when it comes to nature. . visiting the Sugar Loaf Mountain less than 15 minutedrive or visit the White House less than an 40 minute drive.

Germantown islocated perfectly just outside Gaithersburg and Clarksburg and veryconvenient to I-270

Now, let’s check these nice houses for sale

14422 SENECA RD, GERMANTOWN, MARYLAND 20874

Price: $889,988

OPEN Feb 5 1-4!!! Beautiful custom built home with approx. 7,000sq ft of finished space. Gorgeous, l ...

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MLS# MC7762885

Bedrooms: 5

Bathrooms: 3

Partial Baths: 1

Acres: 2.43001

10000 BLUE BANNER DR, GERMANTOWN, MARYLAND 20876

Price: $825,000

Stunning 1988 VICTORIAN with a wrap porch and all the Victorian detail you could want on 3 acres and ...

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MLS# MC7557426

Bedrooms: 7

Bathrooms: 5

Partial Baths: 1

Acres: 3.18001

15204 SPRING MEADOWS DR, GERMANTOWN, MARYLAND 20874

Price: $799,900

Miller Built Home in the best neighborhood in Darnestown-beautiful lot! Hardwood floors everywhere, ...

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MLS# MC7705511

Bedrooms: 4

Bathrooms: 3

Partial Baths: 1

Square Ft: 3180

Acres: 2.03999

Do you want to see any of these properties ?. . Do you need Representation?

Remember the listing agents represent the sellers . ... not the buyers

They want to sell you these properties for the highest amount possible!

CALL ON US!

We will make the difference for you!

Here at Herboso & Associates, we understand what an important decision is finding just the right home . .

Our agents are committed to finding just the right place for you, your family, and even your beloved pets.

Our dedication to the buyers is unsurpassed in customer satisfaction.

Tell us -- How can we help you?

About Germantown MD

OUR FREE SERVICES TO HELP YOU FIND A GERMANTOWN MARYLAND HOME AREDESIGNED

JUST FOR YOU! LOCAL PEOPLE SELLING LOCAL REAL ESTATE

Other Useful Official Websites for Germantown Maryland

The following Websites are excellent sources of information.

Please remember that sometimes these websites may contain outdated or incorrect information.

· City Of Germantown Chamber Of Commerce Website

· Montgomery County INFO website

· City Of Germantown Wikipedia

Local Newspaper The GAZETTE READ IT HERE

To get customized reports for relocating families or specific school assignments, please send your request to mailto:info@ReallyNiceHomes.com

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Germantown Maryland Homes For Sale

Nice Homes for Sale in Germantown MD 20874, 20876

Rent To Own Properties in Maryland . . Montgomery, Frederick and PG Counties

Thu, 02 Feb 2012 21:01:04 -0500

RENT TO OWN?--- LEASE WITH OPTION TO BUY

As you sign up below. .

You will then receive this email .. after we verify your subscription by phone

Thank You

Thank you for signing up for our RENT to OWN Program for Montgomery, Frederick, and PG Counties in Maryland

Your privacy is important to us.

Our Privacy Policy is simple, we will never give your contact to any other company without your permission.

You sign up to inquiry about our Rent To Own Program,

My name is Fernando Herboso and I'm the broker for Herboso & Associates

We have developed the perfect system to help people become homeowners.

Whether you are a first time home buyer, or had a foreclosures or a short sale recently. .it doesn't matter. We can help.

My Group of associates are working in conjunction to assist you become a homeowner again. . .

Let us prove our services to you. . this is our offer:

We are looking for people that we can help become a homeowner. . .at no charge.

We make our fees from the other party in these type of transactions. . .but we represent you!

Please take the following steps if you want to proceed. .

#1 Watch this introductory video : http://www.youtube.com/watch?v=hr4vXA-YpPA
#2 Please print out the enclosed attachment and fill in the enclosed application.
#3 Please ask your landlord to fill in the enclosed form to assist you in your application and also help your credit rating.

As soon as you have it ready, please fax it to 888-913-3535 or scan it to : Info@ReallyNiceHomes.com

Now a little more about us. Our business and your bottom line is our passion. We would like to see what opportunities your are missing that is keeping you from becoming a homeowner.

Your credit?
Your money?
Your current situation?

We want to help you.

All we need from you is your initial participation. . .by filling in the enclosed application

Please feel free to call me at 301-968-0655 if you have any question or concerns

Thank you again,

Regards,

Fernando Herboso

Fernando Herboso
Broker - Solutions Finder
"Don't Pray For A Miracle. . .expect it!"
Herboso & Associates llc

www.ReallyNiceHomes.com
www.Short-Sales-Expert.com

www.Herboso.com
Office             301.968.0555
Cell                240.426.5754
Fax    888.913.3535
My real estate knowledge is always up-to-date. For expertise you can depend on, call me when you have questions about the market or are ready to make a significant move. . .Quality representation is not expensive, its priceless!

The attachment that contains all the required documentation will come to you as soon as you sign up here. .

Nice Homes for Sale in Montgomery Village Maryland -- Montgomery County MD 20886

Wed, 01 Feb 2012 12:01:20 -0500

A Sample of nice Homes for sale AVAILABLE In

MONTGOMERY VILLAGE - Maryland

Montgomery Village is settled in the heart of Montgomery County Maryland. Bordering with the city of Gaithersburg, is most often confused by newcomers its boundaries. Montgomery Village is an unincorporated area, their boundaries are defined according to Montgomery County zoning rules and by its own unique zip code. Montgomery Village uses Gaithersburg addresses even though the village is outside city limits. If you are considering Montgomery Village as your next home.. .

Check these houses for sale

7810 WARFIELD RD, MONTGOMERY VILLAGE, MARYLAND 20886

Price: $665,000

FINALLY, PRE APPROVED AT LIST PRICE!! RENOVATED HUGE COLONIAL, 1.83 ACRE ...

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MLS# MC7722554

Bedrooms: 6

Bathrooms: 6

Partial Baths: 1

Acres: 1.83494

20005 GIANTSTEP TER, MONTGOMERY VILLAGE, MARYLAND 20886

Price: $575,000

Brick Front Colonial in Ashford of East Mont Village has 4 BD & 3.5 Baths. Center island kitchen ope ...

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MLS# MC7761933

Bedrooms: 4

Bathrooms: 3

Partial Baths: 1

Square Ft: 4433

Acres: 0.256887

8413 SAINT REGIS WAY, MONTGOMERY VILLAGE, MARYLAND 20886

Price: $519,000

Elegant Colonial in Ashford of East Village has a Granite Kitchen w/ SS appliances & main level Hard ...

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MLS# MC7764101

Bedrooms: 4

Bathrooms: 3

Partial Baths: 1

Square Ft: 3784

Acres: 0.273095

Do you want to see any of these properties ?. . Do you need Representation?

Remember the listing agents represent the sellers . ... not the buyers

They want to sell you these properties for the highest amount possible!

CALL ON US!

We will make the difference for you!

Here at Herboso & Associates, we understand what an important decision is finding just the right home . .

Our agents are committed to finding just the right place for you, your family, and even your beloved pets.

Our dedication to the buyers is unsurpassed in customer satisfaction.

Tell us -- How can we help you?

About Montgomery Village MD

Montgomery Village was created in 1962 by Kettler Brothers, Inc. The vision for a planned community in Gaithersburg is credited to architect Charles Kettler, who incorporated Kettler Brothers with his brothers Milton and Clarence in 1952. The first land purchase was the Walker Farm in 1962. subsequent purchases were the Thomas Farm, The Mills Farm, The French Farm, The Patton Farm, The Fulks Farm, The Wilson Farm and The James Walter Deppa property. The Walker Farm was the largest of all the properties the Kettlers bought. It was 412 acres (1.67 km2) and now is Walkers Choice, Cider Mill, Horizon Run, Christopher Court, Dockside, Nathan's Hill, Millrace, the Montgomery Village Library, Montgomery Village Day-Care Center, the Off-Price Centers, Bayberry, the Verandahs, Grover's Forge, Lake Whetstone, South Valley Park and part of Lakeforest Mall.

To get customized reports for relocating families or specific school assignments, please send your request to mailto:info@ReallyNiceHomes.com

Here is a list of Montgomery Village Schools

Montgomery Village Preschools (3 Schools)

Montgomery Village Elementary Schools (2 Schools)

Montgomery Village Middle Schools (1 School)

Montgomery Village High Schools (1 School)

Montgomery Village Private Schools (4 Schools)

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Montgomery Village Maryland Homes For Sale

Nice Homes for Sale in Damascus Maryland -- Montgomery County MD 20872

Wed, 01 Feb 2012 11:27:04 -0500

A Sample of BRAND NEW Homes AVAILABLE In

DAMASCUS - Maryland 20872

Damascus Maryland is settled in Montgomery County Maryland. At the start of 2012, New Home Builder's have started several projects and all these new homes for sale are priced right. If you are considering Damascus Maryland as your next home.. .

Check these new houses for sale

0 DAMASCUS HILLS, DAMASCUS, MARYLAND 20872

Price: $754,900

TO-BE-BUILT. CALL FOR DELIVERY! CRAFTMARK'S OAKMONT FLOORPLAN,BRICK FRONT,2 ...

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MLS# MC7757753

Bedrooms: 4

Bathrooms: 4

Partial Baths: 1

Square Ft: 5136

Acres: 1.0101

0 DAMASCUS HILLS, DAMASCUS, MARYLAND 20872

Price: $739,900

TO-BE-BUILT. CALL FOR DELIVERY! CRAFTMARK'S OAKMONT FLOORPLAN,BRICK FRONT,2 ...

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MLS# MC7757691

Bedrooms: 4

Bathrooms: 4

Partial Baths: 1

Square Ft: 5120

Acres: 1.0101

0 DAMASCUS HILLS, DAMASCUS, MARYLAND 20872

Price: $694,900

TO-BE-BUILT. CALL FOR DELIVERY! CRAFTMARK'S OAKMONT FLOORPLAN,BRICK FRONT,2 ...

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MLS# MC7757770

Bedrooms: 4

Bathrooms: 3

Partial Baths: 1

Square Ft: 4200

e Ft: 2994

Acres: 1.0101

26014 SCHOOL YARD CT, DAMASCUS, MARYLAND 20872

Price: $599,990

One of 15 homesites in a new, to-be-built community.Offering preview pricing until February-March op ...

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MLS# MC7759883

Bedrooms: 5

Bathrooms: 4

Partial Baths: 1

Square Ft: 3361

Acres: 0.225781

Do you want to see any of these properties ?. . Do you need Representation?

New Home Builders work for the sellers . ... not the buyers

They want to sell these properties for the highest amount possible!

CALL ON US!

We will make the difference for you!

Here at Herboso & Associates, we understand what an important decision is finding just the right home . .

Our agents are committed to finding just the right place for you, your family, and even your beloved pets.

Our dedication to the buyers is unsurpassed in customer satisfaction.

Tell us -- How can we help you?

About Damascus MD

The area currently known as Damascus was granted by the new state of Maryland to Nathaniel Pigman in 1783. On February 14, 1819, War of 1812 veteran named Edward Hughes bought a 40-acre (160,000 m2) section of the grant and began subdividing lots for sale. James Madison, the fourth U.S. President, appointed Hughes postmaster of the developing community of Damascus in 1816.[

To get customized reports for relocating families or specific school assignments, please send your request to mailto:info@ReallyNiceHomes.com

Here is a list of Damascus Schools

Damascus Elementary School

Lois P. Rockwell Elementary School

Clearspring Elementary School

Damascus High School

John T. Baker Middle School

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Damascus Maryland Homes For Sale

Featured Really Nice Home in Villa “Belle Vue” Montenegro. . .AMAZING PLACE

Tue, 31 Jan 2012 18:07:24 -0500

Montenegro is located in the Adriatic Sea and is located just across Italy's shoe heel in imaginary map. . .just a little over 150 miles away

A long way from Maryland USA but, from time to time we like to feature REALLY NICE HOMES around the world and this is a beauty

Thank you for their permission to use these beautiful photos of your Villa for sale

It is simple incredible. . .feast you eyes and just take a look.. .

The pearl of Budva Riviera and Montenegro is the hallmark of St. Stephen.. .

Sophia Loren once commented after staying in this incredible place: "It was as if I had returned from the most beautiful stories of my childhood."

Now featuring in the same style of Venetian Palazzos.

Introducing "your" Villa en Montenegro

Located in a pine forest on a plateau 70 meters above sea level, 150 meters from the sea and to the west of St. Stephen. Has a direct view of the sea,hotel-island Sveti Stefan, Budva and the surrounding forest.

The villa is designed in the style of Tuscan palazzo, with numerous marble decorations.
4. The facade of the villa is made of the famous white marble from the Croatian island of Brac (the same marble tiled with the White House in Washington DC).

Sea view from the terrace with a pergola

Master balcony - view of the beach "Crvena Glavica"

Villa - garage and servants' apartments. . .

Sv. Stefan

Still wanting more?

Check This Video. . .

Villa "Belle Vue" Montenegro

What Is The Result Of A Strategic Default On Your Mortgage?

Tue, 31 Jan 2012 08:27:42 -0500

The least we can do as Real Estate Agents that specializes in short sales is NOT TO JUDGE our clients when it comes to decisions such as this.

When it comes to making decisions about your financial future, don't ever self impose a moral obligation on your family.. . survival sometimes requires to make tough decisions. .

Via Herb Johnson Northern Kentucky Realtor, Remax (NKYRealty LLC/ REMAX Affiliates):

As the turn down is housing drags on, many homeowners are now underwater. Around 3.5 million homeowners are behind in their payments and another 1.5 million homes are already in the foreclosure process, according to RealtyTrac. As banks and Lenders start to work through their backlog of distressed properties, the Federal Reserve estimates that 3.6 million foreclosures will take place during the next couple of years. So, the question is: Does it make sense to keep paying a massive mortgage, knowing that it might be years before a home regains its prior value?

As a Realtor I constantly get calls from people saying, I've exhausted all my life savings, my retirement is gone, and now what can I do?

What Is Right?

There's a moral component to that decision. People feel embarrassed about breaking a contract and not paying their mortgage and no one wants to be labeled a deadbeat. Still in America larger companies default on their obligations when it makes financial sense for them to do so, via the bankruptcy process. Yet it's not really personal; it's business. So think of strategic default as a business decision, and do a cold-eyed cost-benefit analysis of whether it makes sense for your family and you. Many people feel it reflects on their integrity, yet the more business like attitude is to say that there's a contract, there are penalties for violating that contract, and sometimes it just makes financial sense to break it. The penalties largely revolve around your credit record, which admittedly takes a negative nose dive in the near term. For a few years you can likely forget about qualifying for a mortgage. When lenders are ready to take a chance on you again, you'll have to pay for the privilege, with higher interest rates due to the default.

What Happens to Your Credit Score?

Strategic default isn't a decision to be taken lightly. If everyone did it, the housing market and the banks would be in much worse shape than they already are.

The following are some of the issues to keep in mind:

1. Talk to a professional. A bankruptcy or real-estate attorney can help you through a very tricky process. The National Association of Consumer Bankruptcy Attorneys, for instance, has a database of lawyers. Also a good Realtor can provide information about possible options.

2. Look to it as a last resort. Your financial troubles could be alleviated with a simple refinancing, especially since 30-year mortgage rates are near record lows of around 4 percent. If the banks are hesitant to rework your loan, look into the number of government programs designed to keep you in your home. Some states, including our home state of Kentucky, has a great program for helping those who have an income reduction or prolonged unemployment.

3. Know the tax implications. Historically, if you have a debt that's forgiven, the canceled amount is considered taxable by the IRS. In the wake of the housing bust, though, the Mortgage Forgiveness Debt Relief Act was drafted to spare you those taxes. That legislation expires at the end of 2012, if it's not extended, you could potentially face a tax bill for the difference.

4. Use the interim to save. In truth it might be a year or longer before you actually have to pack up. In the meantime, be extremely disciplined about stockpiling cash. That will help you with a down payment for a rental, to pay for a car in cash if you need to, or to clear up other debts you might have.

A strategic default is not an easy decision, and there are costs either way. Yet the question is would you rather be $100,000 underwater on your mortgage or would you rather have several years of damage to your credit report? It depends whether you're at financially and what you see happening in the future.

All The Best,

Herb Johnson

859-372-8019 Direct Line

Herb@HerbJohnson.com Email

www.HerbJohnson.com Website

Buyers and Sellers wanted. Referrals Appreciated!

4895 Houston Road

Florence, Kentucky 41042

Pre-Foreclosures in Montgomery and Frederick Counties Available Now!

Mon, 30 Jan 2012 14:59:36 -0500

Foreclosures in Montgomery County:

Foreclosures in Frederick County MD

Rent To Own Properties in Maryland . . DON'T MISS THESE!

Mon, 30 Jan 2012 14:35:36 -0500

TWO properties RENT TO OWN in Montgomery and Frederick Counties Maryland

PRINCIPAL REDUCTIONS - WILL THE BANK GUARANTEE THE VALUE OF YOUR HOME?

Sat, 28 Jan 2012 08:07:08 -0500

Often times I get this question a lot trough my website www.Short-Sales-Expert.com

"Why can the Lenders just reduce the principal so troubled homeowners can stay in their houses. . ."

Many reasons why this is not a popular choice for Lender. .

Mostly because if they agree to one, then their next door neighbors would want the same thing..and their next door neighbors and their next door neighbors and so on. . .until the banking industry collapses

Via Richard Zaretsky, Florida Real Estate Attorney (Richard P. Zaretsky P.A. - Board Certified Real Estate Atty):

In a briefing by Credit Suisse this week, the financial giant’s opinion was that reducing principal balances of underwater mortgages is a risky idea that has not been shown to keep underwater borrowers from later defaults. In my practice as a Florida real estate lawyer, that opinion flies in the face of borrower sentiment. The guiding force in the Credit Suisse statement seems to be the “moral hazard” argument, coupled with statistics about the failure of principal reductions helping homeowners.

As reported by Bloomberg News, Dale Westhoff on behalf of Credit Suisse said that of the 11 million “underwater” homeowners, about 6.5 million have never missed a payment and 2 million more are making on-time payments after delinquency. He said that widespread principal reductions may drive defaults much, much higher as borrowers seek the aid. But he also said that such wholesale principal reductions have never been done before and the associated risk is unknown. Furthering that argument, he said that if principal reductions are offered, it may create the concept that the lenders are guaranteeing the value of homes.

Others don’t share the same view. I for one find that 50% of those that seek my assistance have decided that without a meaningful principal reduction, they are merely overpaying rent and having a debt obligation as well. This sentiment was predicted as far back as 2001. [See my article A HOME WITHOUT EQUITY IS JUST A RENTAL WITH DEBT].

While Fannie Mae and Freddie Mac maintain a no principal reduction policy, New York Federal Reserve Bank President William Dudley said this month that without a significant turnaround in home prices and employment, a substantial portion of deeply underwater home loans (as in Florida) will ultimately default absent a realignment of principal to market value. This concurs with the findings I make in my office everyday by speaking with troubled borrowers.

Will the argument that principal reductions will bring out a flood of applications for similar aid hold true – I think the estimates of that flood are probably understated! - At least here in Florida.

The problem has been quantified by specialists as needing to avoid 8 to 10 million more distressed property sales through the application of principal reductions. Although some programs for “short refinancing” are in effect, with 125% caps that is not enough in the hardest hit states – where the market value drops are far greater and the bulk of the problem loans exist.

From the macro viewpoint, short sale guru (as in billion dollar bets that the mortgage bonds would fail) Greg Lippmann wonders what the big deal is – since investors write down their portfolios anyway and have been doing business like this for years.

It seems to me that writing down the loan at the borrower level will have the added benefit of lowering losses on the loan underlying the mortgage bonds, therefore stabilizing that market. Without the help to the first tier borrower – the homeowner – the homeowners’ later default simply makes the foundation upon which the bonds are created subject to disintegration. If we don’t see principal reductions then this is going to be a very slow recovery. If we do see principal reductions we are liable to experience “non-qualified” borrower revolt and a new era of lending and doing business a very different way.

In the meantime, principal reductions remain the elusive holy grail of those seeking loan modification relief.

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Copyright 2012 Richard P. Zaretsky, Esq.

Be sure to contact your own attorney for your state laws, and always consult your own attorney on any legal decision you need to make. This article is for information purposes and is not specific advice to any one reader. Richard Zaretsky, Esq., RICHARD P. ZARETSKY P.A. ATTORNEYS AT LAW, 1655 PALM BEACH LAKES BLVD, SUITE 900, WEST PALM BEACH, FLORIDA 33401, PHONE 561 689 6660 RPZ99@Florida-Counsel.com - FLORIDA BAR BOARD CERTIFIED IN REAL ESTATE LAW - We assist Brokers and Sellers with Short Sales and Modifications and Consult with Brokers and Sellers Nationwide! Shortsales@Florida-Counsel.com Website www.Florida-Counsel.com.

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TABLE OF CONTENTS - SHORT SALE AND LOAN MODIFICATION ARTICLES

BRAND NEW TOWNHOUSES for sale in Aspen HILL - Maryland 20906

Fri, 27 Jan 2012 18:52:14 -0500

A Sample of Really Nice BRAND NEW TOWNHOUSES for sale for

Aspen HILL - Maryland 20906

1 POPLAR RUN DRIVE, ASPEN HILL, MARYLAND 20906

Price: $419,900

WINCHESTER HOMES NOW SELLING POPLAR RUN.! 2012 DELIVERY. $5K CLOSING HELP W ...

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MLS# MC7542839

Bedrooms: 3

Bathrooms: 2

Partial Baths: 1

Square Ft: 2300

Acres: 0.05023

2 POPLAR RUN DRIVE, ASPEN HILL, MARYLAND 20906

Price: $399,900

WINCHESTER HOMES NOW SELLING POPLAR RUN. 2011 DELIVERY. $5K CLOSING HELP W/ ...

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MLS# MC7542847

Bedrooms: 3

Bathrooms: 2

Partial Baths: 1

Square Ft: 2300

Acres: 0.05023

0 POPLAR RUN DRIVE, ASPEN HILL, MARYLAND 20906

Price: $377,900

WINCHESTER HOMES NOW SELLING POPLAR RUN.! 2012 DELIVERY. $5K CLOSING HELP W ...

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MLS# MC7257045

Bedrooms: 3

Bathrooms: 2

Partial Baths: 1

Square Ft: 2100

Acres: 0.05023

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About Aspen Hill Maryland schools

Public Schools Located in Aspen Hill

ARGYLE MIDDLE 20906

Serves Grades: 06-08

BEL PRE ELEMENTARY 20906

Serves Grades: PK-02

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FLOWER VALLEY ELEMENTARY 20853

Serves Grades: KG-05

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Serves Grades: PK-05

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Serves Grades: PK-05

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Serves Grades: 03-05

WHEATON WOODS ELEMENTARY 20853

Serves Grades: PK-05

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Aspen Hill Homes For Sale

North Potomac Nice homes For Sale in Montgomery County Maryland

Fri, 27 Jan 2012 10:29:39 -0500

A Sample of Really Nice Homes for sale for

North Potomac in Montgomery County - Maryland 20878

14509 HIGH MEADOW WAY, NORTH POTOMAC, MARYLAND 20878

Price: $1,150,000

FABULOUS CUSTOM BUILT BRICK COLONIAL HOME IN NORTH POTOMAC SET ON A SCENIC ...

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MLS# MC7754339

Bedrooms: 5

Bathrooms: 5

Partial Baths: 1

Acres: 1.07

12816 PILOTS LANDING WAY, NORTH POTOMAC, MARYLAND 20878

Price: $1,148,300

NEW on wooded cul-de-sac in Roberts Landing. 3 car gar Great room off kit. w/ wet bar.Screen porch. ...

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MLS# MC7650034

Bedrooms: 5

Bathrooms: 4

Partial Baths: 1

Acres: 1.7666

13201 SQUIRES CT, NORTH POTOMAC, MARYLAND 20878

Price: $1,100,000

Gorgeous house just for you. The seller asked for a minimum amount of showings during the holiday s ...

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MLS# MC7744795

Bedrooms: 5

Bathrooms: 3

Partial Baths: 1

Acres: 2.38

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About North Potomac Maryland schools

Childrens Towne Academy

12172 Hidden Brook Ter

North Potomac, MD 20878 (map)

Ph: (301) 349-5500

Private | Grades: PK-KG

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4323 Stonebridge View Dr

North Potomac, MD 20878-8000 (map)

Ph: (301) 279-4975

Public | Grades: PK-5

Travilah Elementary

13801 Dufief Mill Rd

North Potomac, MD 20878-3844 (map)

Ph: (301) 840-7153

Public | Grades: KG-5

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North Potomac Homes For Sale

Short Sales in Maryland for 2012

Fri, 27 Jan 2012 10:02:20 -0500

AVOID making this one BIG mistake that may destroy your chances of getting your short sale completed and end up putting you in foreclosure.

Don’t be a victim of bad information! There is currently a lot of bad and misleading information out there regarding short sales in Maryland DC and Virginia and you need to arm yourself with the facts before you take the next step you need to take.

The Worst Thing You Can Do Is Wait!

Take Action Today!

Get the facts from a distressed property expert that has the ability to help you avoid a foreclosure by doing a Short Sale today!

Fernando Herboso-Real Estate in Maryland

Short Selling Investment Properties. . . What Are Your Options in Maryland?

Free List Of Foreclosures Maryland - Montgomery - Frederick- PG Counties

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RENÉ CADIMA

Silver Spring Market Report for January 2012 Homes For Sale 22905,22902,22904

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Featuring Nice Homes For Sale in Tucson Arizona

Que Es Un Short Sale - Venta Corta - Informacion

In Defense of the Short Sale Selling, Loan Mod Applying, Principal Reduction Requesting Public

Really Nice Homes For Sale in Arlington Virginia 22207

Sample of Nice Homes for Sale In McLean Virginia 22101 - Luxury Homes

Our Newsletter: Compliments of Herboso & Associates 02/03/2012

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Rent To Own Properties in Maryland . . Montgomery, Frederick and PG Counties

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Nice Homes for Sale in Montgomery Village Maryland -- Montgomery County MD 20886

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Featured Really Nice Home in Villa “Belle Vue” Montenegro. . .AMAZING PLACE

What Is The Result Of A Strategic Default On Your Mortgage?

Pre-Foreclosures in Montgomery and Frederick Counties Available Now!

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PRINCIPAL REDUCTIONS - WILL THE BANK GUARANTEE THE VALUE OF YOUR HOME?

BRAND NEW TOWNHOUSES for sale in Aspen HILL - Maryland 20906

North Potomac Nice homes For Sale in Montgomery County Maryland

Short Sales in Maryland for 2012

Is A Short Sale an Option For Me?

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Should you consider a SHORT SALE in 2012?

Is A Short Sale an Option For Me?

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