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Who qualifies for a short sale? - 12/28/10 11:39 AM
Majority of the lenders will consider allowing a Short Sale if there has been a change in circumstance after the loan was initially obtained which caused the borrower difficulty to keep up with the mortgage payments.
Here are some of the possible reasons:
1. Loss of income
3. Job Transfer
4. Medical Bills
5. Mortgage Rate Reset
A Hardship Letter explaining what happened to cause the inability to keep up with payments will be required by the lender. An unsatisfactory reason would be "the market has declined". (0 comments)
Did everyone have an epic Christmas? But really, what is Christmas? For you, especially? Is it still magical, or is it just another day where we blow our money on the things we want? You are all welcome to share your thoughts. Happy holidays everyone and I hope we all gained 10 lbs! :) (3 comments)
It's obvious to anyone who has set foot in Portland, Oregon that the city and its residents are passionate and support green living and environment sustainability. The city's layout and size make it ideal for cycling and walking its small blocks, locals and tourists are just a short bus ride away from the parks, gardens and arboretums. When completed in 2015, Portland will be home to the Oregon Sustainability Center, the first living building. The office building will produce 100 of its own energy and will be place in the downtown (0 comments)
The sun is a public good no more. Yes, the sun finally has an owner. Angeles Duran, a woman from Spain's soggy region of Galicia said Friday she had registered the star at a local notary public as being her property. Duran told the online edition of daily El Mundo that after reading about an American who had claimed ownership of the moon and most planets in our solar system she took the step of making herself the owner of the sun. She knows of the law and backed her claim legally. Anyone else could have done it, but (1 comments)
Ashland Oregon Short Sale Closed! Over $675,000 Owed - Settled for $285,000 - 12/14/10 12:47 PM
Ashland Oregon Short Sale Closed! Amount owed: $608,000 to Aurora & $76,000 with Specialized Loan Servicing Sold For: $285,000 Hardship: Loss of income from self employment due to current economic conditions If you know someone in the Rogue Valley, Jackson or Josephine County, Southern Oregon area who may have experienced a loss of income and may be facing foreclosure, please have them give me a call or send me an email. If you know of someone who has tried & tried & tried to do a loan modification, please have them give us a call to discuss other options. Call or email Jared (2 comments)
A "normal" sale is one where the seller has equity in their home and is not in a situation where if they don't sell the home will be taken from them by their creditors. Oftentimes after an inspection has been done by a professional inspector, if their are any needed repairs, they can be negotiated with the seller to make the needed repairs. A short sale is often called a "pre-foreclosure" as well, which means that the person selling their home is asking their lender that loaned them the money to "short" the amount that they are owed, or (0 comments)
Fun Facts: 1. The Rogue got its name from the Indians: "The River of the Rogues" 2. Nowadays movies are produced by the score using the dramatic backdrop of the Rogue River, and many big Hollywood names such as Kirstie Alley makes the Rogue Valley their home away from home. 3. Fishing and Rafting remains a favorite hobby among locals and tourists.
Real Estate: Gold Hill and Rogue River
Recreation: 1. Palmerton Arboretum 2. The city's other parks - Coyote Evans, Fleming, and Anna Classick - have facilities for horseshoes, tennis, and boat ramps. 3. Valley of (0 comments)
Here's a list of PROs that might convince you to get into Short sale:
* No Foreclosure – Foreclosures can be a very hard and stressful process for a family. It can take anywhere from six to twelve months for a foreclosure to complete. * Being proactive – Facing foreclosure head on will help give you some control over the process. By choosing a short sale, finding a buyer and negotiating terms with the bank, the huge effect on your credit score by a foreclosure can be dodged. * Start Newer, Faster – Minimizing damage to (0 comments)
Eagle Point is a community of 8,700+ residents located in the Upper Rogue River Valley in Southern Oregon, approximately 10 miles east of Interstate 5 and northeast of Medford along State Highway 62. Eagle Point is only 40 miles from the California/Oregon Border and 50 miles west of Crater Lake National Park. The community is the “Gateway” to several mountain lakes in the region including Crater Lake. The community was incorporated in 1911 (Hussel, 2006).If you're looking for a new place, Eagle Point is a beautiful city to live in. Thinking of selling your house? Below is a figure showing (0 comments)
A short sale, is the sale of a house for less than what the owner still owes on the mortgage. If the lender agrees to a short sale, the rest of the homeowner's debt typically is forgiven. Lenders sometimes agree to the procedure in order to take a small loss and avoid the lengthy and costly foreclosure process.
The figure below shows the existing home sales in Phoenix.
For owners who can no longer afford to keep mortgage payments current, there are alternatives to bankruptcy or foreclosure proceedings. One of those options is called a "short sale." The figure below shows the existing home sales in Ashland from September 1, 2010-November 30,2010.
On a lighter note, don't forget to check out the on-going Festival of Light up to December 31st. For those who may ask the Festival of Light is a community event by the Ashland Chamber, to kick off the holiday season.Bring your loved ones and enjoy the entertainment on the Plaza followed (0 comments)
Once upon a time, most little boys and girls would put a train set or a doll at the top of their list for Christmas. But now children as young as five are asking for gadgets such as iPhones and iPads. You got it right! They want an iChristmas. According to a survey, one out of four (25%) children said their most wanted Christmas present was Apple's newest smartphone, the iPhone 4, an iPad or an iPod mp3 player.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.