5 Steps to take Control of your Finances

Real Estate Agent with Coldwell Banker Residential Brokerage CalBRE# 01839597

Did you know that 1 in 7 homeowners are struggling to make their mortgage payments? It is very easy to fall behind in payments and before you know it you are on an emotional rollercoaster. 

It doesn't have to be you.  Take steps and control of your situation; don't let it spin out of control. 

  • Look up your loan to see if you qualify for a loan modification or short sale through HAFA: 
  • Document the cause of your distressed.Distressed home sales, short sale realtor, short sales in Gilroy
    • loss of employment
    • reduced income
    • business failure
    • damage toproperty
    • death of a spouse, wage earner or other member of the family
    • severe illness
    • inheritance; if you are now the owner of a property you inherited and can't afford the payments.
    • divorce
    • relocation
    • military serive
    • payment increase or mortgage adjustment
    • insurance or tax increase
    • separation
    • too much debt
    • incarceration
  • Contact a Certified Distressed Property Expert about the options you have to get under from your mounting mortgage debt. Do you qualify for a loan modification or have you tried that and are still struggling? Other options are available.
  • Contact a Real Estate Attorney who is specialized in distressed properties
  • Contact a CPA
Don't make the wrong decission making your situation worse.
  • Do not pay anyone who promisses to help you sell your home in advance. 
  • Don't sign over the Deed!
  • interview the Real Estate agent and ask the right questions. You want to make sure you are working with a REALTOR® who is experiensed and can close short sales.


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Anja K. Kerstens

Coldwell Banker Residential Brokerage


Buy or Sell with your area specialist and REALTOR® getting homes sold faster.



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Bud & Beth McKinney
Cary/Raleigh/Apex NC - The Team That Cares, RE/MAX United

Sometimes it seems that there are so many steps and hoops to jump through, but you always want to make sure you are taking the right steps and do it the correct way the first time.

Jan 23, 2012 08:22 AM #1
Anja Kerstens
Coldwell Banker Residential Brokerage - Morgan Hill, CA
GRI, CDPE, CHS, ASP, Selling Silicon Valley Real

Yes, and the main problem is that they just don't know where to get help and end up losing their homes to foreclosure.


Jan 23, 2012 08:31 AM #2
Tina Maraj
RE/MAX North Orange County - Fullerton, CA
#1 Selling Agent in Fullerton 2016 714-403-7901

Great advice to home owners considering their options. I will keep you in mind for any referrals I may have.

Jan 23, 2012 10:25 AM #3
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Anja Kerstens

GRI, CDPE, CHS, ASP, Selling Silicon Valley Real
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