The first day of October was quite the day. What is it about the 4th quarter that makes things seem so exciting? The Holidays? The other stuff, i.e. football, politics, Black Friday? 

Maybe it is my BIG, BIG, BIG goal to get through this holiday season a few pounds lighter? Could it be my renewed decision to focus on one thing - real estate? Could it be that I love cooking and baking for my friends and can't wait to share fresh goodies with you all? Or maybe it is just that I started drinking coffee again after six months? It was only one cup today and maybe one last week. It's all good :)

Lovin' my Vida loca is how I see my life these days.  Losely translated, it means that I am loving my crazy life.  Why is it crazy?  Well, because today my buyers closed on their dream home and my last listing will be off the market soon too.  That means I have a choice to either get ready to get ready for 2013 and just give up on whatever goals I may have begun at the first of the year, or take the road less travelled and finish strong for 2012! 

Yes, I said continue working.  Abnormal?  Not at all!  In fact, the 4th quarter is a great time to help sellers sell their homes and bueyrs find their dream homes just in time for the holidays.  One of the best treats is that the super highway of real estate agents is traffic free, you see many real estate agents hibernate during the holiday season.  It may not seem like that now, however, jsut wait until Thanksgiving nears and try to find someone who will be there to show  you a property or explain why selling your own home may not benefit you as much as you think.

Okay, maybe those were extreme scenarios.  My point?  Well, there really isn't one other than I intend on making the most of the rest of the year.  If you are looking to SELL, BUY or INVEST in Redlands, Yucaipa, Highland, and the surrounding areas of the Inland Empire, Give me a call!

Why Short Sale in Yucaipa CA? Yucaipa California Short Sale Specialists

Call Us Now: 1 (888) 9-LIST-IT

Have you been considering a real estate short sale, but don't fully understand the ramifications? The reason many under-water homeowners short sale their Yucaipa property is because a short sale's negative effects on your credit report and financial future are considerably less than foreclosure. In fact, a short sale can effect your credit score up to 300 points less than a foreclosure can! And, you may qualify for a loan to purchase another home soon after your Yucaipa CA short sale. A foreclosure can keep you from purchasing again for up to five to seven years!

REAL ESTATE AGENTS YUCAIPA CA

Like many homeowners in Yucaipa, California you may be having trouble paying your mortgage, or you may already be behind. Don't let the bank(s) foreclosure your house! You may not be able to keep your Yucaipa CA house when your short sell it, but you can preserve your credit and financial future from the destructive forces of a foreclosure. And the best way to short sale (short pay) your house, is to hire the #1 Yucaipa CA Short Sale Specialists to help you! And we don't charge you a dime for our Yucaipa real estate services. There's no charge for our consultation. There's no charge for our short sale negotiations. There's no charge for the completion of your short sale. You pay us nothing, ever.

We are Yucaipa, California short sale REALTORs, and we have the experience and skill sets for short sale negotiations, with dozens of the nation's mortgage banks and lenders. You may have one, two or more mortgage loans and/or liens, but we can offer you options. Our Yucaipa Short Sale REALTOR team assists homeowners throughout Southern California, including Riverside and San Bernardino Counties.

REAL ESTATE LISTING AGENTS IN YUCAIPA CA

Do you have questions about short sales, foreclosures, loan modifications, deed-in-lieu of foreclosure and how they work? Are you wondering what a short sale can provide you?

Call us anytime to find out: (888) 9-List-It. That's (888) 954-7848.

We can answer your questions and provide you with an in-depth look at the Yucaipa CA short sale process. Don't worry, we will not try to sell you into short selling your Yucaipa home. We are not salesmen. We tell it like it is and if a short sale is the best course of action for your individual situation (and many times we will NOT recommend a short sale). We will honestly assess your particular case with your best interests in mind. Having the right Yucaipa California real estate agents assisting you can mean the difference between a damaging foreclosure, or a successful short sale and a fresh start for your family and you.

CALL US NOW: (888) 9-LIST-IT. That's (888) 954-7848.

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CALIFORNIA SHORT SALE AGENTS

The Most Important Short Sale Do’s and Don’ts | Short Sale Tips for Yucaipa CA Home Sellers

• Do educate yourself. This is THE most important thing you can do. Yucaipa CA Short Sales can be complicated. You need every bit of information you can get when you jump into the short sale process.
• Don’t wait until it’s too late. If you drag your feet and hide from the fact that you’ve stopped making mortgage payments, it will cost your credit rating and it will put any chances of a Yucaipa short sale in risk.
• Do be diligent. There have been very closable Yucaipa California short sales that fail because the Yucaipa homeowners either stop responding to their agents, stop returning paperwork, stop returning phone calls, stop caring, etc. It can be a difficult process, but at the end of it you will be free of the mortgage, the upside-down Yucaipa house and your financial future will have a better foundation.
• Don’t stop taking care of your Yucaipa CA home. Yes, you will be moving, but if you stop mowing the lawn or keeping the place tidy, that unkemptness will discourage any potential buyers.
• Do keep paying your HOA dues! Any unpaid HOA dues will need to be settled either before or at the close of a short sale escrow. Sometimes the buyer or the first lien mortgage bank will contribute to these outstanding bills, but not every time. And Yucaipa California Home Owner Associations will send your defaulted HOA bill to a collection lawyer who will slap you and your property with their own outrageous charges.
• Don’t rent your Yucaipa CA home out. In these economic times there are unsavory renters, many of them lost their own homes, that don’t mind giving you the first month’s rent and a security deposit, only to never pay you another payment. You lose the Yucaipa house to foreclosure, but they live rent free for the foreseeable future.
• Do your homework when choosing a Yucaipa real estate agent or broker when you go to list your house for a short sale. The wrong Yucaipa California short sale agent can ruin your chances of avoiding foreclosure. Yucaipa Short sales require diligence, confidence and an unmatched work ethic. Find that Yucaipa CA short sale REALTOR that knows her stuff, knows how to work and knows exactly what the banks want to approve your Yucaipa short sale.
• Don’t think that you need a real estate agent that knows your Yucaipa neighborhood to short sale your Yucaipa CA home. In a Yucaipa California short sale transaction, it’s about the short sale negotiation and working relationship with your lender(s), not that your Yucaipa home’s location is special compared to the listing around the corner. Out-of-area agents easily price properties using a Comparative Market Analysis (CMA). In fact, banks regularly pay agents and real estate brokers a minimal fee, usually $50 or $75, to price out-of-area properties for them. Your local Yucaipa neighborhood real estate agent may not be the right person. You need a tough and knowledgeable short sale specialist.
• Do expect to move soon, or not for months. When your Yucaipa home receives an offer, that is just the start for your short sale transaction. But the bank could decide to approve your short sale right away, which means you may only have 30 to 45 days to relocate. But, the approval process could take up to three to six months! Don’t move prematurely. It makes no sense to pay rent while your Yucaipa CA home sits empty. Communicate with your agent and keep updated on where the short sale process is.
• Don’t stop paying your water bills, sewer bills or trash bills! Any unpaid bills may slow down or stop the short sale process.
• Do consult your tax man or even a tax attorney when considering a short sale. Even the best short sale agents are not legally allowed to advise on tax implications of your particular situation, and the best Yucaipa California short sale real estate agents don’t. A tax accountant CPA or real estate attorney has a better understanding and the legal right to advise you on such matters.
• Don’t think that you must have a real estate attorney to execute your short sale. Most times these lawyers don’t understand Yucaipa real estate or the short sale process as well as an experienced Yucaipa CA short sale agent does. In fact, many if not most of these lawyers offering short sales require an upfront fee to process your short sale. Yucaipa real estate agents and Yucaipa CA brokers only collect commissions from the proceeds of the sale, which comes out of the bank’s pocket, not yours.
• Do let your Yucaipa real estate agent put a yard sign in the yard. Yard signs tell buyers trolling streets looking at neighborhoods and houses that yours is a possible candidate.
• Don’t make viewing appointments unavailable and hard on buyers and their agents. The more potential buyers that see your Yucaipa California home the better chance of short selling it and avoiding foreclosure. Make that home as available to buyers as possible!
• Do yourself a favor and remember that millions of Americans are going though their own short sale, or unfortunate foreclosure. This economy is dreadful, and many are experiencing financial hardships and your particular situation is nothing to be ashamed of.
• Don’t apply for a home equity line of credit or any other type of credit. If you own other properties that have equity, refrain from pulling money out of any of them during a Yucaipa short sale approval. Your bank and any of your bank’s back-end investors will dig deep into your credit history and find this activity. This kind of action says you are just out for your own financial bottom line, and yes, they will take offense to that.
• Do a quick pick up of toys, laundry and any other items lying around when a buyer’s showing appointment is scheduled. Buyers will criticize your messiness like your mother-in-law, and worse, it could affect their offer which in turn could affect your Yucaipa CA short sale!
• Don’t make the mistake of thinking a foreclosure is not much worse than a short sale. It is. A foreclosure will decimate your credit; it will keep you from owning another home for years and it will be a part of your financial incompetence far more than you hope it won’t.
• Do keep your hardship letter short and sweet. Explain your situation as-matter-of-factly as possible. Then your bank will look at your finances, tax filings and other documents to verify and support your story. But DO NOT include in your hardship that you bought your Yucaipa home for more than it’s worth. The bank does not care your home is underwater. The bank is losing money too.
• Don’t strip the house of its fixtures or other potentially valuable assets. Taking the pool system, or the ceiling fans or the beloved touch-action faucets will degrade your Yucaipa California home’s marketability, and for what? A few hundred bucks will not make the financial blow of foreclosure any softer.
• Do all your paperwork and return to your Yucaipa CA real estate agent in a timely matter. Yucaipa Short sales can die if the proper paperwork is not supplied. It’s a silly way to screw your short sale, but it happens all the time.
• Don’t use a short sale negotiating company. They will charge you large upfront fees that they don’t have to return to you even if they do not complete the short sale. And these companies aren’t held up to the same Department of Real Estate code of ethics that Yucaipa California real estate agents and Yucaipa REALTORs are. In fact, some banks will not work with them!
• Do call and communicate with your bank(s) and let them know you are attempting a short sale. They have thousands of mortgages defaulting, and if they don’t know you are pursuing a short sale, your Yucaipa CA property may automatically be classified as a pre-foreclosure. Not keeping your mortgage holder informed of the status of your Yucaipa short sale can help expedite your house to foreclosure which will not help your short sale.
• Don’t violate the bank’s At Arm’s Length requirement for the Yucaipa CA short sale. The Arm’s length agreement required from the short sale lender prevents you from “renting the house back”. To avoid any fraud or risk that can result in the bank coming back at you for the balance of your loan. Do it by the book and follow the rules. The risk is not worth it.
• Do know that credit card companies may decide to pull your credit due to foreclosure. When a foreclosure shows up on your credit, it says that you are in financial distress and your credit risk increases dramatically.
• Don’t think you can’t short sale if you own other properties. This is a common mistake many multiple property owners make. A bank will more than consider a Yucaipa short sale even if you own two or more homes.
• Do clean the Yucaipa California home and property when you move out. Remove any trash, debris and take or dispose of any of your personal property. The condition of the property before transfer can have a negative effect on the buyer and their desire to own the Yucaipa home, and give them a reason to back out. Cleanliness is next to Godliness, and Sold Short Sales!
• Don’t assume the information about short sales you read on the internet is always correct. There are many real estate professionals, and many not-so-professional individuals, giving advice regarding short sales. Some do not have a clue how to handle a short sale, let alone give advice on the subject. Your best bet is to call and talk to any prospective short sale experts. Get a feel of their knowledge base and real estate confidence, and above all else only hire a Yucaipa CA real estate short sale agent with experience.

If you have questions or would like to talk to us about short selling your Yucaipa California house, call us any time at (888) 9-List-It. That’s (888) 954-7848.

 Chapman Heights in Yucaipa, CA Short Sales Made Easy... You Pay Nothing for Our Services!!!

We Specialize in Short Sales & We Know Short Sales in Chapman Heights in Yucaipa, CA.

Short Sales Made Easy... You Pay Nothing for Our Services!

We Know Short Sales in Chapman Heights in Yucaipa, CA.

We know what makes a good candidate for a short sale transaction. We know the differences from bank to bank, and how each bank operates.

We know how to build your short sale file. We know what to include, and what NOT to include.

We know the pitfalls to steer away from, and what the end-goal and best-scenario is for your short sale.

We WORK short sales. We CLOSE short sales.

We KNOW short sales because We DO short sales.

We are Short Sale Real Estate Agents / REALTOR

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