Short Sale and Foreclosure Resource Certified (SFR)
Stephanie Frymyer and Shirley Williams
Your Short Sale and Foreclosure Specialists
Are you having problems making your monthly mortgage payments? You are not alone - many Americans are facing the same problem and are faced with one or more of these difficulties:
- Jobloss, business failure or decrease in income
- Personal problems, such as death of a spouse or divorce, forcing you to sell your home, but there is not enough equity
- Health problems that resulted in major debt
- Relocation, forcing you to sell your home, but there is not enough equity
- Increase in mortgage payments
- You are already in default and are facing foreclosure
- You are experiencing another form of hardship.
If this sounds like what you are going through, don't try to hide from the problem, it won't go away, and there is help out there for you.
We are Short Sale and Foreclosure Certified (SFR, the only Certification acknowledged by the National Association of Realtors). Our main goal is to help you stay in your home! We offer FREE consultations and have compiled a list of government programs (like HAFA and HAMP) and non-profit services that are at your disposal free of charge.
In the sad event that you do not qualify for any of the government programs or your bank does not approve a loan modification, again, foreclosure is not your only option! Your other option is a Short Sale which we can help you with. What is the difference for you? A foreclosure can lower your credit score by 200 points and more! AND a foreclosure remains a public record and on your credit history for 7 years.
Short Sales are different. There are different ways of reporting a short sale and how it will affect your credit score. The lender can report the short sale as:
1. Paid in full - which would be "paid as agreed", however, this is very rare
2. Paid - settled
3. Paid - unrated
In addition, if the owner of a Short Sale property is current with their payments, a Short Sale may only lower the score by 50 points.
We understand what you are going through, being faced with personal and financial problems is a big burden, but ignoring the problem will not make it go away. We are licensed Realtors and will do anything in our power to help you. If a Short Sale is a feasible solution to your problem, we can help you sell your home in a timely manner. As with our regular sellers, we offer FREE STAGING with our listing of an occupied home, we will take professional quality photos and market your home to the same standard as a regular sale. You might think "Why would I care, I'm selling it!" and the answer is this: you should care how your home is marketed because if it is marketed in the right way with a fair price, it will attract potential buyers fast, and the faster you will sell your home, the sooner you will see an end to your problem.
Whatever your situation is, we are here to help you, so call us today so we can solve your problem together, you are not alone.
For questions or to schedule a free and non-binding consultation, please feel free to call us 310-308-6107 or 562-355-8120, or email us with any questions you might have.
Warm regards,
Stephanie & Shirley
Stephanie Frymyer & Shirley Williams
The S & S Team
"Your Local Property Pros"
562-355-8120 & 310-308-6107
DRE# 01390458 & DRE# 01456658
http://yourlocalpropertypro.com
Stephanie Frymyer
Realtor, SFR, ABR, SRES
DRE 01390458
Shirley Williams
Realtor, SFR, SRES
DRE 01456658
Main Street Realtors
DRE # 01157065
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