Dave Halpern, Realtor, Keller Williams Realty Louisville East

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Real Estate Agent - Keller Williams Realty Louisville East (502) 664-7827



Write down quantified goals. Daily goals, weekly goals, monthly goals and annual goals. Develop a task list required for the attainment of each goal. Share your goals with others you trust, people who care about you and want you to succeed. They are your inner circle. Review your accomplishments ...
Litton Loan is the first mortgage, Citi is the second. Citi won't approve a short sale settlement amount until they get a copy of the payoff to Litton and the amount of losses Litton will incur. Litton says they won't approve the short sale until Citi approves their settlement amount. Litton wait...
I have seen many houses severely damaged by limbs or entire trees that came crashing through the roof. Louisville KY is prone to wind storms, right around Kentucky Derby time. Even strong and robust trees can be felled by mother nature. The same is true for ice storms when the limbs are forced to...
Yes, you can short sale your house even with structural damage. Indeed, the lender may be more inclined to settle your loan because of the structural damage. The bank does not want to own your house. But who will want to buy my house with structural problems? Someone will. Price fixes everything....
Who Falls Behind On Their Mortgage Payments? Good, honest, hardworking people! Overwhelmed by other life events, such as health reasons or divorce. Adjustable rates crushing them. Vanishing equity but need to sell. Business owners whose businesses got ground up in this unrelenting economy. Homeow...
I am a Realtor and I list short sales for overleveraged clients, often behind on payments. Their houses aren’t always in tip top shape. Buyer’s agents often ask me if the house will pass an FHA inspection. Our response is tendered as politely and professionally as possible, however our answer is ...
Unfortunately some employers consider bad credit as a predictor of effectiveness and trustworthiness. How Can A Short Sale Benefit You Vs. a Foreclosure? Interviewers are asking candidates for authorization to contact the three major credit reporting bureaus. Candidates are worried bad credit wil...
Being Foreclosed Upon While Deployed In The Military? Check Your Rights Under SSCRA and SCRA. The Soldiers & Sailors Civil Relief Act (SSCRA), now known as Service members Civil Relief Act of 2003 (SCRA) provides protections to active duty service members. If you have credit card debt, mortgage p...
Can you stay in the house while a short sale is being worked out with your lender? Yes! Actually, your lender usually prefers you stay in the house, even if you are not paying the mortgage. Why Does The Lender Want You Stay? If you stay in the house, you are protecting the house, which means you ...
Can I short sale my house if I am behind on payments in Louisville KY? Yes! As a matter of fact, banks and lenders have designed the short sale as a method to help borrowers who are behind on payments. The banks almost expect you to be behind on payments in order to qualify for the debt relief of...

Dave Halpern

Louisville Short Sale Expert
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