short sale in maryland: Short Sales Short Tales . . "The Fast Talker" - 10/16/11 04:58 AM

"The Fast Talker" (for Seinfield fans)

Yes, I question sometimes bank Representatives that connect with us when we are doing short sales.
For most part, they are helpful because that is their jobs and I fully understand that person does not have the decision make capability to make any difference in my short sale.
But from time to time I wonder where they find some of this employees with zero training. .
Case In Point
I just heard a message from a bank representative in my voice mail. .
"Hello Fernando Herboooosssu . .my name is Jen? for the property … (3 comments)

short sale in maryland: Short Sales Short Tales . . Afraid - 10/16/11 04:34 AM

Scary Decision

I get to talk almost in a daily basis to homeowners looking at the prospect of losing their own homes.
What is interesting is that most of them are only concerned of one thing
 "THE UNKNOWN"
I learned very quickly early on, people want to see what is ahead and they are afraid of the dark and uncertainty.
One of the most recent short sales presentation I gave to a mother of four children solidified this point for me.
As soon as I told her that my services does not end when we sell her house but … (4 comments)

short sale in maryland: Short Sales Short Tales . . A Fax Rant - 10/12/11 11:04 AM

Fax Rant . . .  You Got To Be Kidding me!
This is one of my favorites stories to tell about short sales.
Scenario:
We were exasperated that the bank will not understand our situation.
We had a full approval to close this particular short sale but. . then we lost the buyer.
In some cases, this will happen because of the time effect from a short sale. .it just takes a long time. .
We quickly put the property back in the market and we found a new buyer rather quickly. . .after all , it was an approved … (5 comments)

short sale in maryland: Short Sales - Short Tales : She Cut The Blinds! - 10/11/11 04:14 AM

She Cut The Blinds!
It never ceases to amaze me. .
When doing short sales, I see the best and the worse on people.
In this particular case, it was one of our earlier short sales. .
Everybody was a little confused and not sure what a short sale was back then . .
But we knew we were helping people . .and that was that.
We were representing the seller and she was a little intimated about the process. To make matters worse, she was going trough a divorce and she was pretty upset about her situation.
Before closing, the … (4 comments)

short sale in maryland: Clarksburg MD Loan Modifications and Short Sales - 09/28/11 11:01 AM
Short Sales and Loan Modifications
QUESTIONS AND ANSWERS for Clarksburg Residents in Maryland   
Q: How long does the process of a short sale take from start to finish?
The short sale process typically takes between 3 to 6 months. Servicers nowadays have improved considerably the time it takes. Always depending on the servicer of your loan. Typically we advise our clients not to expect an answer between 3 to 6 months.
We also assume responsibility for our clients as we assist them relocate when the short sale is completed. Our services include helping you find appropriate housing for you … (1 comments)

short sale in maryland: 5407 NACY LEE LN, UPPER MARLBORO, MD 20772 in PG COUNTY MARYLAND--NEW LISTING! - 09/26/11 04:09 AM
Herboso & Associates is proud to announce & feature our newest listing. .

Clean and spacious open floor plan Townhouse

Ready for the pickiest buyers. . .

Your Future Home has been well maintained and has great features.

Separate Dining Room. .

Kitchen Island

Deck off breakfast area. .and patio below

Freshly painted. .

Tranquil setting. .

Convenient to Route 4, 495, 301, Andrews Air Force Base and Washington, DC vaulted ceilings

Full Details CLICK HERE
Fernando Herboso| Carlos Herboso
(7 comments)

short sale in maryland: Fighting the BANKS--- FACE TO FACE - 09/22/11 05:32 AM

Fighting the BANKS--- FACE TO FACE
We get short sales approvals in a weekly basis. . 
But not two short sales are alike. .they are as different as snow flakes. All we know is that we better have our best game face ON to help our clients or they will suffer.
We have listed over 135 short sales in the last 4 years and our experience has seasoned in a relentless machine that knows the ins and outs to help our client
 AVOIDING A DEFICIENCY JUDGMENT 
We may be able to do that for you. .
We are proud … (4 comments)

short sale in maryland: An Easy Solution If You Are Underwater.. . - 09/20/11 11:44 AM
 
Is A Short Sale An Option for You?
 
Yes it very well may be depending on your current situation. .
 
1. Are you unable to refinance or qualify for a loan modification?
 
2. Are you behind on your mortgage payments?
 
3. Are you are facing a financial hardship?
 
4. Do you ou owe more than your home is worth?
 
5. Are you unable to sell your home at a price greater than your mortgage debt?
 
Click on image for more answers. . .

 
 
 
What Are The Benefits of A … (2 comments)

short sale in maryland: A Short Step to a Short Sale After a Bad Loan Modification. . - 09/17/11 09:01 AM
Finally someone that understands the realities of your situation.  My name is Fernando Herboso and I'm proud to introduce to you my newest website of resources for short sales This was designed to give you total information if a short sale, a loan modification, a deed in lieu or a foreclosure it's your best option Save Your Home (if possible, we will tell you how) Save Your Credit  ( A great tool inside) Save Your Financial Future.  .(things will be a lot different two years from now. .just wait)  Know Your Options (What should you do? )   www.Short-Sales-Expert.com It's a simple wealth of information platform created … (6 comments)

short sale in maryland: Our Short Sales Fees --SHORT SALES EXPERTS IN MARYLAND-- - 09/05/11 09:57 AM

Our fees and typical closing costs are contingent on short sale approval and are paid for by your lender
We even negotiate for them to pay all your closing costs. .
How much it costs to do short sale:
If you call us. . it will cost you nothing!
 

The best short sales experts will not charge you anything for their services.
Why?
Because they can provide you with their experience and the assistance needed to sell your house with all costs derived from the sales proceeds.
(In some cases, we find … (4 comments)

short sale in maryland: Que Tiempo Toma Una Venta Corta - Short Sale? - 09/02/11 02:17 AM
Q & A ABOUT SHORT SALES - VENTAS CORTAS   
 
You've received a contact message from your Contact Form on the ActiveRain network.
Message details: From:xxxxxxxxxxxxxxxxEmail: xxxxxxxxxxSubject: Short Sale Pregunta (Sent via Activerain)
Hola fernando,yo estoy haciendo la compra por medio de shorsale,la vendedora acepto mi oferta y firmo los documentos a mi realtor.pero ahora falta la respuesta del banco,y eso me preocupa por que ya pasaron 2 semanas y no tenemos respuesta.en realidad cuantas semanas se demora el banco para dar una respuesta? y aparte que el banco hace su inspeccion .yo tambien debo hacer mi inspeccion ?.si no pasa … (12 comments)

short sale in maryland: If The American Dream Turning Into a Nightmare.. .This is Your Wake Up Call! - 08/18/11 12:01 AM
The children. .
I have seen enough pink walls in empty houses and toys left laying around were dreams once existed and fantasies were made.
The repercussions for the future of a child that experienced a foreclosure will have ripple effects for many years to come.
Children see, feel, cry alone and take this stress as much as their parents.
An underwater mortgage; as much as they don't understand . . is not a good situation for them


With loan modifications being the answer to benefit the lenders. . the sentence for an underwater family is just kicking the … (5 comments)

short sale in maryland: 23804 GRAPEVINE RIDGE TER CLARKSBURG, MARYLAND 20871 INCREDIBLE PRICE - 08/08/11 11:32 AM
 
  23804 GRAPEVINE RIDGE TER CLARKSBURG, MARYLAND 20871 GO HERE FOR PRICE AND HUGE PICTURES 4 Bedrooms, 3 Bathrooms 1 Partial Baths Listing # MC7662413     SHORT SALE - COLONIAL WITH ALL THE BELLS AND WHISTLES FEATURES 9' CEILINGS, HARDWOOD FLOORS, SEPARATE LIVING ROOM & DINING ROOM, PRIVATE LIBRARY, FAMILY ROOM WITH 2 SIDE FIREPLACE ADJOINS SUN-FILLED MORNING RM, GOURMET KITCHEN , UPGRADED CABINETRY, SEP BREAKFAST ROOM, GLORIOUS MASTER SUITE WITH SITTING ROOM , FULLY FINISHED LOWER LEVEL WITH DEN/GUEST ROOM, & BAR Basic Features: Acres: 0.112121 Area: City Name: CLARKSBURG County Name: MONTGOMERY Neighborhood: Schools: LITTLE BENNETT, ROCKY HILL, CLARKSBURG State: … (0 comments)

short sale in maryland: No Decision is a Decision -- Painful Solutions For Distressed Homeowners - 08/08/11 09:01 AM
Article Originally Posted in www.ReallyNiceHomes.com
At the height of the real estate boom, double-digit rises in home equities meant customers could pull out money from the increased home equity to help themselves and help the economy by making major purchases.
Well, no more.
We have seen the end of this life style that they could really not afford. The equity ATM card from these homes have completely vanished and that is why we are in perilous times as far as the economy goes.
Conditions are changing, in many areas of the country, real estate price levels are flattening … (0 comments)

short sale in maryland: I Can't Help You. . You Live on Denial St - 08/04/11 12:01 AM
"Before I was indecisive . but now? . . .I'm not really sure" It breaks me every time I end a short sale listing appointment abruptly realizing that the person across the table will never get it.. They will never leave their home address . . .123  Denial St 10 months of missed mortgage payments,  2 failed attempts of loan modifications You even defaulted your trial period and blamed it on them. . I'm sorry lady.. but you leave on Denial St. . when you are ready to move . . call me! After explaining the limited options she had at this point.. . her question floored me! "..but, I love … (16 comments)

short sale in maryland: Is your buyer thinking of buying a short sale? What your buyer needs to know. - 08/02/11 01:31 AM
Sort sales could be the best source of great deals available if you understand the process and others don't.
Foreclosures seems to bring all the competition and it is often we see multiple offers.Meanwhile short sales
could offer you even better prices with less competition.
All you need is a good Realtor that understands the process and you are willing to wait a little longer.
If you need a house next month. .don't look for short sales, if you are open to waiting a little time. . it could work to your benefit.
Pacita Dimacali writes on the subject highlighting what … (0 comments)

short sale in maryland: What Is a Short Sale? - 07/25/11 11:13 PM
A valid question that has been answered numerous times.
Coming from an experienced short sales negotiator makes it a lot simpler to understand. .
What is a short sale?. . . even in a shorter explanation. .
 
A short sale is:
SALVATION FREEDOM NEW START  TO SLEEP 8 HRS STRAIGHT TO WORK LESS AND SPEND THE EXTRA TIME WITH YOUR FAMILY TO VALUE THE QUALITY OF YOUR LOVE OVER THE QUALITY OF YOUR GRANITE COUNTERS..   
I COULD GO ON. . but let Melissa Zavala take over.. 
 
 
Attention homeowners!
There is a lot of information in the media … (4 comments)

short sale in maryland: "This Recession Took Me To Depression" - 07/19/11 03:02 AM
One of my dear clients just sent me a composed song she dedicated to the Recession & Underwater Homes , Repo's and the IRS. .. 
She speaks for millions!
Enjoy it!
 

 
Fernando HerbosoBroker - Solutions Finder"Don't Pray For A Miracle. . .expect it!"  Herboso & Associates llc  www.ReallyNiceHomes.comwww.Short-Sales-Expert.comOffice 240.898.1848Cell    240.426.5754Fax    888.913.3535My real estate knowledge is always up-to-date. For expertise you can depend on, call me when you have questions about the market or are ready to make a significant move. . .Quality representation is not expensive, its priceless!       Herboso&Associates
(6 comments)

short sale in maryland: Why do short sales fail? - 07/18/11 11:14 PM
 
A short sale is not a right a homeowners has. . 
It is a consideration from a lender that is losing thousands of dollars on a loan.
Want to know the reasons why so many short sales fail?
It is very important that the agent you choose for a short sale has the skills, the knowledge and the experience to help you maximize your chances.
 
Last year, I showed a large house which was offered as a short sale at the time. This property was in contract at least twice, but just came back on the market as a foreclosure. … (2 comments)

short sale in maryland: Hey Short Sales Agents . .Are You Ready For The Good News? - 07/15/11 08:20 AM
No more FTC MARS Regulation For Real Estate Agents Assisting Consumers in Disposing of a Property in a Short Sale!!  
 
Just Passed. . in a nutshell.. . .  
 
"Until further notice, the Commission will forbear from taking any enforcement action for
violation of the MARS Rule  with the exception of the Rule’s prohibition against
misrepresentations in Section 322.3(b)  against a real estate professional who provides “any
service, plan, or program, offered or provided to the consumer in exchange for consideration,
that is represented, expressly or by implication, to assist or attempt to assist the consumer [in] . .
(2 comments)

 
Fernando Herboso - Broker for    Maxus Realty Group, 301-246-0001 Serving Maryland, DC and Northern VA (Maxus Realty Group -  Broker 301-246-0001) Ambassador large

Fernando Herboso - Broker for Maxus Realty Group

301-246-0001 Serving Maryland, DC and Northern VA

Gaithersburg, MD

More about me…

Maxus Realty Group - Broker 301-246-0001

Address: Serving Montgomery, Frederick, PG Counties Maryland PLUS Northern VA, Listing Marketing Expert at your service 30 miles radius from, Gaithersburg , MD, 20878

Office: (301) 246-0001

Mobile: (240) 426-5754

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