I just received a Notice Of Default, now what?  

For many people, the prospect of being unable to make their mortgage payment paralyzes them with fear and anxiety. They stop opening the mail, start avoiding phone calls and procrastinate on paying the bills. The fastest way to feel relief if you are falling behind on your mortgage is to do something about it. Whether you gather your bill statements, apply for a new job or call your lender to explain your situation, moving into action will prevent you from waking up to find a Notice of Trustee Sale posted on your front door. By the time that happens, there is not much you can do to save your home.

If you have attempted to do a loan modification and it looks like you will not be able to work out a solution with your lender or refinance your home, you should put it up for sale -- immediately. The faster you get your home sold, the less damage will be done to your credit and your psyche!

Selling your home in today's market requires a real estate agent who has certified training as a Pre Foreclosure Specialist.  When attempting to avoid a foreclosure, it's critical to have a trained professional representing your interests.  Any Realtor that is specializing in Pre Foreclosure Sales should provide you with references.  To ensure you are working with a professional that has experience with short sales, I will put you in contact with homeowners I have recently & successfully represented in a Pre Foreclosure Sale (short sales). Pre Foreclosure short sales are difficult transactions which require a skilled negotiator who knows the foreclosure process inside and out.   

Here in Santa Clarita and across California real estate inventory is at an all time low. There are currently 632 active listings on the market in Santa Clarita. Many are getting multiple offers the day they are listed.  Homeowners wanting to avoid foreclosure have an opportunity to take advantage of this sellers market.

As Certified Pre Foreclosure Specialist with a Certified Distressed Property Expert designation, I have the training and experience to assist homeowners who are facing foreclosure.  Don't let your fear or embarrassment cause you to wake up to a Notice Of Trustee Sale posted on you door.  If you have received a Notice of Default you must act quickly. 

Please take the time to contact me for a free consultation and a current market analysis of your property.  You owe it to yourself to learn what options you can utilize to avoid foreclosure.  Due to my Law Enforcement background, all financial information disclosed is confidential and protected.