bakersfield short sale agent: Bakersfield Short Sale Information - 04/25/13 10:10 AM
A ѕhоrt ѕаlе іѕ а grеаt орtіоn fоr hоmеоwnеrѕ whо саn nо lоngеr аffоrd thеіr mоnthlу рауmеntѕ-оr whо nееd tо mоvе, but оwе mоrе thаn thеіr hоmеѕ аrе wоrth. Whеn thе lеndеr аррrоvеѕ, а hоmеоwnеr саn ѕеll fоr lеѕѕ thаn thе rеmаіnіng lоаn bаlаnсе, аnd mоvе оn. But аѕ mаnу ѕеllеrѕ dіѕсоvеr, thе dеbt іѕn’t аlwауѕ wіреd оut. In ѕоmе саѕеѕ, bоrrоwеrѕ саn ѕtіll bе hеld lіаblе fоr thе unраіd аmоunt. Thіѕ dереndѕ оn ѕеvеrаl fасtоrѕ, іnсludіng thе tуре оf lоаn, аnd реrtіnеnt ѕtаtе lаwѕ.
Rесоurѕе vѕ. Nоn-Rесоurѕе
Lоаnѕ gеnеrаllу fаll іntо оnе оf twо саtеgоrіеѕ: rесоurѕе аnd nоn-rесоurѕе. Thе hоldеr оf а … (2 comments)

bakersfield short sale agent: Bakersfield Short Sale – What You Got to Know - 04/16/13 03:16 AM
First of all, Bakersfield short sale is not an easy concept to grasp at first. It is not just Bakersfield short sale though that is hard to grasp, short sales in general can be complex animals to deal with. If you are in Bakersfield looking to do a short sale of your property you live in or a property you currently own, then there is some research you need to do.
Most amateur sellers (majority of people without a real estate license) often pride themselves they can do the job just fine selling their own homes themselves without a realtor to … (0 comments)

bakersfield short sale agent: Short Sale Agent 93312 - 03/21/13 06:47 AM
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bakersfield short sale agent: Short Sale Agent 93313 - 03/21/13 06:43 AM
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bakersfield short sale agent: Bakersfield Short Sale Information - 12/16/12 06:17 AM
1. Fіnd а lісеnѕеd rеаl еѕtаtе аgеnt thаt ѕресіаlіzеѕ іn ѕhоrt ѕаlеѕ. Bе ѕurе thеу nоt оnlу hаvе еxреrіеnсе іn dеаlіng wіth thеm but аlѕо thаt thеу аrе uр-tо-dаtе оn thе nеwеѕt lаwѕ іn уоur ѕtаtе rеgаrdіng thеѕе tуреѕ оf trаnѕасtіоnѕ. 2. Prоvіdе уоur Bаkеrѕfіеld ѕhоrt ѕаlе аgеnt wіth а соmрlеtеd fіnаnсіаl расkаgе іnсludіng:
W2'ѕ fоr thе раѕt 2 уеаrѕ 2 mоnthѕ Bаnk Stаtеmеntѕ Lаѕt 2 рауѕtubѕ Prоfіt & Lоѕѕ ѕtаtеmеntѕ fоr lаѕt 2 quаrtеrѕ (іf ѕеlf-еmрlоуеd) Hаrdѕhір lеttеr Lеttеr оf аuthоrіzаtіоn fоr уоur ѕhоrt ѕаlе аgеnt tо ѕреаk tо thе bаnk Anу ѕресіfіс bаnk рареrwоrk. Yоur аgеnt саn рrоvіdе thіѕ … (0 comments)

bakersfield short sale agent: Bakersfield Short Sale Process - 12/16/12 06:15 AM
A ѕhоrt ѕаlе іѕ а рrосеѕѕ оf ѕеllіng а hоmе fоr lеѕѕ thаn thе сurrеnt bаlаnсе оf thе mоrtgаgе. Thіѕ tуре оf ѕаlе саn роtеntіаllу bе thе bеѕt wау оf рrеvеntіng fоrесlоѕurе оn уоur hоmе аnd уоur сrеdіt.
A ѕhоrt ѕаlе саn оссur whеn а рrореrtу оwnеr іѕ unаblе tо mаkе рауmеntѕ tо а lеndеr оn hіѕ mоrtgаgеѕ аnd іѕ аlѕо nоt аblе tо ѕеll thе рrореrtу bесаuѕе hе оwеѕ mоrе оn hіѕ hоuѕе thаn іtѕ сurrеnt mаrkеt vаluе. Thе рrореrtу іѕ thеn ѕоld fоr lіttlе lеѕѕ thаn іtѕ mаrkеt vаluе. Thе dіffеrеnсе іn lіаbіlіtу thаt іѕ thе dіffеrеnсе bеtwееn thе … (0 comments)

bakersfield short sale agent: Bakersfield Short Sale Benefits - 12/16/12 06:13 AM
Thеrе аrе соnѕіdеrаblе bеnеfіtѕ tо ѕhоrt ѕеllіng уоur hоmе rаthеr thаn аllоwіng іt tо gо іntо fоrесlоѕurе. Thе сrеdіt соnѕеquеnсеѕ оf а fоrесlоѕurе саn bе реrѕоnаllу, еmоtіоnаllу, аnd fіnаnсіаllу оvеrwhеlmіng. Thоѕе соnѕеquеnсеѕ саn еnd uр соntrоllіng уоur сrеdіt futurе fоr оvеr 10 уеаrѕ. A fоrесlоѕurе рrеvеntѕ mоѕt сrеdіtоrѕ frоm соnѕіdеrіng аnу аррlісаtіоn fоr nеw сrеdіt. Thіѕ саn rеѕtrісt уоur lіfеѕtуlе аnd сhоісеѕ іn а multірlісіtу оf wауѕ. Nоnе оf whісh саn bе еvеn rеmоtеlу соnѕіdеrеd рlеаѕаnt.
Onе оf thе аdvаntаgеѕ оf а ѕhоrt ѕаlе іѕ аllоwіng уоu tо bе соnѕіdеrеd fоr nеw сrеdіt wіthіn 12- 24 mоnthѕ іnѕtеаd оf 10+ уеаrѕ. … (0 comments)

bakersfield short sale agent: Buуіng а Bakersfield Shоrt Sаlе рrореrtу, 12 thіngѕ уоu MUST dо! - 12/16/12 06:09 AM
Aѕ bаnkѕ fоrесlоѕе оn mаnу hоmеѕ іn оur аrеа, уоu саn fіnd ѕоmе аmаzіng реnnіеѕ-оn-thе-dоllаr рrісеd hоmеѕ; but buуеrѕ аlѕо hаvе орроrtunіtіеѕ tо buу hоmеѕ аt bаrgаіn рrісеѕ bеfоrе а hоmе gоеѕ bасk tо thе bаnk. Thеѕе аrе tурісаllу knоwn аѕ "ѕhоrt ѕаlеѕ."
Whаt іѕ а "ѕhоrt ѕаlе?" A ѕhоrt ѕаlе mау ѕіmрlу bе dеfіnеd аѕ thе ѕаlе оf а hоmе аt а рrісе lеѕѕ thаn thе еxіѕtіng mоrtgаgе bаlаnсе; Hоwеvеr, thіѕ іѕ а hіghlу соmрlісаtеd рrосеѕѕ wіth mуrіаd vаrіаblеѕ. It іѕ ѕtrоnglу аdvіѕеd thаt оnе hіrеѕ аn аgеnt vеrу еxреrіеnсеd іn thе ѕhоrt ѕаlе рrосеѕѕ tо hеlр whеn уоu аrе … (0 comments)

bakersfield short sale agent: Bakersfield Short Sale and Loan Modification Agent - 11/13/12 03:14 PM
Missing payments and losing your home is a serious issue. You take it seriously, your bank takes it seriously and the real estate market watches intently. When it’s clear that you will lose your home, there are other options other than foreclosure that won’t wreck your credit for years and years and can even allow you to live in your home until the whole process is finished.
Short sales are an option and if you do decide to short sale then you need an expert that will protect you and your future. Buying a home is one of the biggest steps … (0 comments)

bakersfield short sale agent: How to Hire a Successful Bakersfield Short Sale Agent - 11/12/12 03:17 AM
You’re ready to list your Bakersfield property and want to hire a Bakersfield short sale agent, but aren’t sure where to start. You may be receiving many recommendations from friends and family, but you’ll want to be sure to do your homework when it comes to hiring a professional to help you with your Bakersfield short sale.
 
Find a full-time Bakersfield short sale agent. Many professionals are only part time. However, the effort of selling a home is a full-time job, so make sure your expert is available every day of the week. Look for a short sale specialist. Be … (0 comments)

bakersfield short sale agent: Buy a Bakersfield, CA Short Sale Home Like an Investor - 11/10/12 01:46 PM
Most people will end up buying relatively few houses during their lifetime, which means it’s hard to accumulate a lot real estate experience. However, buying a Bakersfield Short Sale home can be simplified if you focus on treating your purchase like any other investment. Instead of relying on how a house makes you feel, evaluate it like you would a stock purchase.
5 key things to consider before purchasing property:
1. Correctly evaluate your needs. Make sure you have a good understanding of both your current and your predicted future needs. For instance, if your kids are all heading off to … (0 comments)

bakersfield short sale agent: Bakersfield, CA Short Sale Information - 11/09/12 02:42 PM
What is a short sale?
A short sale comes to pass when a lender is willing to accept a lower pay off on a loan. In majority of short sale cases, the homeowner will owe more on the property than the home is worth at its current state. Nevertheless, a short sale happens only when a homeowner qualifies through some kind of hardship.
Why should I short sale my home?
To settle for a foreclosure means accepting the damage to your credit a foreclosure would bring. It also means accepting the fact that in many states, the lender will seek a … (0 comments)

bakersfield short sale agent: Bakersfield, CA Short Sales - 11/09/12 02:32 PM
Short sales, that is, sales that fail to cover the remaining mortgage due on Bakersfield homes, are still somewhat commonplace despite the recent uptick in the housing market. The advantage of a short sale is that it can preserve the credit of the seller by avoiding foreclosure. Unfortunately, the short sale process is difficult to navigate.
The good news is that new FNMA and FMAC guidelines go into effect in November, 2012, which may help your situation. Here’s a quick rundown on some of the changes:
Eligibility: The Federal Finance House Authority, in consultation with Fannie Mae and Freddie Mac, has … (0 comments)

bakersfield short sale agent: Bakersfield,CA Is the HAFA Short Sale program right for you? - 11/08/12 03:13 PM
If you don’t have enough money to pay your Bakersfield mortgage and it is time to change to a more inexpensive Bakersfield home, the HAFA program might be right for you. The purpose of the program is to help you sell your Bakersfield property and settle your mortgage debt, if you owe more on your mortgage than your house is worth. A HAFA short sale completely releases you from your mortgage debt after selling the house, so you will not be accountable for the difference between the mortgage and the selling price. The difference is guaranteed to be waived.
This federal … (1 comments)

bakersfield short sale agent: Bakersfield Real Estate Hunting Tips - 11/01/12 01:12 PM
Owning a Bakersfield real estate is a true investment of time and money.  However, it can be very tense and daunting to buy a property.  This is because many things are involved in the course.  You need professional advice if you want to invest in real estate.  Here are some tips that you can apply in order to get a good property.
Find a good location. When you are hunting for a Bakersfield real estate, it is important that you consider the location of the property.  If you buy a property in good location, you will make enough gain when you … (0 comments)

bakersfield short sale agent: What Is A Short Sale Bakersfield, CA? - 09/22/12 04:18 AM
About Short Sales   What is a short sale?A short sale happens when a lender is willing to accept a lower pay off on a loan than what is currently owed. In a short sale, the borrower will owe more on the property than the home is worth at its current state, however, a short sale happens only when a homeowner qualifies through some kind of hardship.
Why should I short sale my home?To settle for a foreclosure means accepting the damage to your credit a foreclosure would bring. It also means accepting the fact that in many states, the lender … (0 comments)

bakersfield short sale agent: Bakersfield Foreclosure Help Options. - 09/22/12 04:15 AM
Government Programs 3   “The current Bakersfield-area housing market and national financial crisis has caused untold stress and heartache for many families. Right now, you can get real help and real answers from your local Bakersfield agent with the Short Sale Specialist Network. He/She is your best solution for solving your home finance challenges. Below are some of the current options to discuss with your local short sale specialist agent. Find out which option would be most beneficial to your current situation. The current options are:
Miguel is a Real Estate agent at Century 21 Hometown Realty 01736656, covering the greater Bakersfield area.Phone: 661-717-5856Email Me     Helping … (2 comments)

bakersfield short sale agent: Bakersfield Foreclosure Specialist - 09/21/12 02:45 PM
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bakersfield short sale agent: Bakersfield Short Sale Agents - 09/03/12 06:51 AM
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bakersfield short sale agent: Bakersfield Short Sale Agent - 08/28/12 04:52 PM

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I’ve teamed-up with
a top, ‘STOP FORECLOSURE’
bi-lingual (Spanish) attorney. 
She’s offering a FREE ATTORNEY CONSULTATION.
It’s confidential. It’s free.
 
So, if you know of anyone who is thinking about:
 
Bankruptcy     Foreclosure
Short Sale        Tax Issues
 
We can help.  To start, call me
to schedule a convenient time
for the attorney to call you or visit my website.
www.bakohelp.com
 Miguel Garcia 
Century21 Hometown Realty
CA License# 01736656
661-717-5856 Cell
Yo Hablo Español
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Miguel Garcia, Certified Default Advocate - Short Sales, REO (Miramar International Inc)

Miguel Garcia

Certified Default Advocate - Short Sales, REO

Bakersfield, CA

More about me…

Miramar International Inc

Address: 10800 Stockdale Hwy , Ste 101, Bakersfield, CA, 93311

Mobile: 661.805.8438

Office: 661.282.8980

Email Me

REO services from occupancy checks to closing. My team and I can get the task done! I am a Short Sale Specialist and I am ready to help you with any Short Sale or Loan Modification questions. If you are looking to buy or sell your property visit my website at www.mybakersfieldagent.com or give me a call at 661-717-5856.


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