If you live in Elkhart Indiana where unemployment is high and job sources are scarce, either you or someone you know is in Foreclosure. And you or they who are facing Foreclosure probably don't know in what order things will take place. Most folks think that if they are behind in their Mortgage Payments that they have to move out. That is not true. You own your home, you owe the Mortgage lender, buy YOU own the home. You own it until one of two things happen. Either you list your home with a REALTOR who has experience in selling home's where the Mortgage Lender will more than llikely receive less than the amount you owe. These transactions are called Short Sales-meaning the bank's payoff is "short" of what you owe, and they are very complex. They require certain documents in a certain order at a certain time. Most Real Estate Agents do not have the experience necessary to bring it to a close. Why take a chance on your home? You need a Certified Short Sale Specialist that has a track record.
I have specialized in helping people sell their homes before Foreclosure. And when we do sell it, it is Foreclosure Prevention! It not only reduces the hit to your credit but in most cases allows you to buy again in as little as two years, providing you are paying your other obligations in a timely mannor.
What I have found when talking to people in all stages of Foreclosure, whether they just missed their first payment or haven't paid anything in almost a year, and they all say they don't know the process or what is going to happen and when. Or even why it happens in a certain order. So, my gift to you in this most stressful time of your life is a FREE SAVE YOUR HOME FROM FORECLOSURE SEMINAR. I am talking to several Mortgage Lenders to help you with your options in your circumstances, Attorney's that can explain the Foreclosure Law in Indiana, and a Bankruptcy Attorney, to see if that is what is best for you. Real Estate Agents who can explain what a Short Sale is and how it affects you. I am also talking with Community Services of Elkhart about the services they offer. LaCasa of Goshen will be on hand with bilingual counselors ready willing and able to give advice on budgeting and cost saving measures.
I am talking to a Church to hold the meeting in, and just as soon as it is confirmed for the date and place I will begin advertising ernestly. In the meantime, if you have any questions at all, please call an experienced, Certified Short Sale Specialist for help now. I am Evelyn Johnston with Prudential One Realty and can be reached at 574-304-7148.
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