short sale realtor: Negotiator Demands Ruining Your Short Sale or Loan Modification? - 04/22/12 12:26 AM
Loan Modification Secrets Your Bank Does Not Want You To Know. . .

QUESTION:Fernando, why are the lenders so involved in SMALL NEGOTIATION REQUIREMENTS, they seem to  ask me for all these small details in order to proceed?. .I’m very FRUSTRATED WITH THEIR DEMANDSANSWER:Most lenders acknowledge that some of their negotiators sweat the small things. But you have to remember they are following procedure and you are working with an employee. They don't have the capability to make a change in direction at any given time.Sometimes those manuals are on the way. . but with a little patientia … (0 comments)

short sale realtor: Should you consider a SHORT SALE in 2012? - 01/27/12 01:56 AM
Is  A Short Sale an Option For Me?  Finding the answers to this question is a lot easier if you click on the above link 
Please feel free to call me by dialing at 240-426-5754 or sending an email to
Thank you 

"No decision IS a decision!"  

short sale realtor: 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 realtor: The Peace Of Mind After A Short Sale. . . - 05/08/11 02:58 AM
Short Sales Maryland
For the month of May 2011, Herboso & Associates will post one post per day highlighting the reasons why you should do a short sale before you lose your property to a foreclosure.
Day #8 --Reason #8
Peace Of Mind. .  
There is nothing more exciting than when we finish a short sale for one of our clients. . .
The uncertainty of the process makes it so special . . even for our own staff!
The stress is … (10 comments)

short sale realtor: 11 Quick Questions and Answers About Short Sales For Maryland Homeowners - 04/11/11 03:07 AM

1. What Is A Short Sale?
The sale of a property upon agreeable conditions for what is worth and not for what's its owed
2. Why Would A Lender Agree To A Short Sale?
To save money and time, typically a short sale will net the lender more money than a lengthy foreclosure with hired attorneys
3. Why Would A Seller Agree To A Short Sale?
To avoid a foreclosure and possible an deficiency judgment
4. What Must A Seller Do To Prepare For A Short Sale?
Speak to their lender and hire … (3 comments)

short sale realtor: To do a strategic short sale or not to do a strategic short sale ... that is the question - 04/08/11 01:40 AM
Judy Chapman touches the subject of Strategic Defaults with many facets to help you decide if this is the right thing for you.
A Realtor should not under no circumstances avoid helping anyone that decides in doing a strategy default. We are not the moral police and as long as lenders would consider it ,. we are here to help you. .
In Chicago call Judy Chapman. . in Maryland? Call Fernando Herboso

Maybe you’ve heard the term ‘Strategic Short Sale’ before. Maybe you haven’t.
Here’s the quick and dirty definition of a Strategic Short Sale —
A … (1 comments)

short sale realtor: When You Should Start Packing When Doing a Short Sale? - 03/25/11 12:54 AM

A common problem,  I encountered again a few days ago. . . Your property is in the market as a short sale. .and now you are stressing out as to when you should start looking for a new home for your family? Indeed, it is a stressful situation and I completely understand it.
First thing, let me assure you that as your Realtor doing your short sale, I take this responsibility very seriously. Rest assured that I will not allow the bank or a new buyer to give you a short notice to MOVE OUT.
I can control that for you. . … (7 comments)

short sale realtor: Maryland Short Sales: Como Utilizar Una Venta Corta Para Salirse De Un Aprieto - 03/18/11 01:54 AM
Venta Corta Ayuda Para Hacer Una Venta Corta En Maryland DC o Virginia
Muchos dueños de casa en Maryland y Virginia se encuentran en un aprieto grande. Sus casas han bajado tanto de precio de que ahora esas casas estan bajando la calidad de vida de sus familias .
En este caso un short sale (venta corta) es lo mas factible de hacer. El rol de la persona que necesita ayuda de short sale (venta corta) es muy simple Escojer ala persona que le ayudara para asegurarse que su short sale va ha ser completado Vea aqui esta presentacion para … (2 comments)

short sale realtor: Do I Have To Be Behind On My Mortgage Payments To Apply For a Short Sale? - 03/14/11 11:37 PM
Q & A
Short Sales
Do I have to be behind on my mortgage payments to apply for a short sale?
It Depends:
There are a lot of factors involved in a short sale.
Today's lenders are not just looking to do a short sale only when you miss your mortgage payments. They all have become pro-active and are seeking a solution for any future problems.
Your role as homeowner when you see a hardship ahead is to be proactive.  
Remember, most lenders would rather sell short than foreclose a property. When properly presented, they … (5 comments)

short sale realtor: When You Should Consider a Short Sale? - 03/10/11 01:13 AM
When You Should Consider a Short Sale? If you are one of the many homeowners who have fallen behind on your mortgage payments. ..
You have tried a long arduos attempt to a loan modification and came to a conclusion. .
it just benefits the lender. .NOT YOU!
Now, you are facing with the reality of a possible foreclosure..
Your main task now should be to find any way to avoid foreclosure.
A short sale may offer you what you are seeking for. .
The most sensible solution to resolve your situation.
Having trouble understanding your options now?
The Short … (0 comments)

short sale realtor: Foreclosure Of The Day in Silver Spring Maryland - 03/10/11 12:49 AM

Another great service from
Foreclosure Of The Day  In May 2007 previous owner paid $385,000 Out it goes today $155,900!! 12230 DALEWOOD DR SILVER SPRING, MARYLAND 20902 Price: $155,900 3 Bedrooms, 2 Bathrooms 1008 Square FtListing # MC7457062 View Photo Gallery (6)3 Bedroom, 1 Bath Duplex with a FULL Bath in the basement! Lots of Potential in a Great Location! Basic Features: Acres: 0.069881Area: City Name: SILVER SPRINGCounty Name: MONTGOMERYNeighborhood: Schools: State: MARYLANDSub Area:  Subdivision: CONN AVE ESTATESType: DuplexZip: 20902Bathrooms: 2Bedrooms: 3Partial Baths: Square Ft: 1008 Additional Features: Architectural Style: OtherAttic: YesAuction: NoBasement Entrance: NoneBasement Type: Full,Fully FinishedBasement: YesBedroom 1: YesBedroom First1 Level: Upper 1Master Bedroom: YesMaster Bedroom Level: Upper 1Bedroom 2: … (0 comments)

short sale realtor: Maryland Short Sales Realtor: "Can I Sell My Home As A Short Sale To My Brother? " - 03/09/11 12:07 AM
Short Sales Information for
Maryland Homeowners
 What is an “Arms Length Transaction” in a Short Sale?
An arms length transaction is  where both the seller (s)and purchaser (s) are acting independently of each other and have no relationship to each other in a contract.
It means that you can not sell your house as a short sale to your brother, rent it from him, stay in the house and act like nothing happened!
That  would be an illegal transaction. . punishable by. . (check the video)
(***hint***~ It COULD  keep you from going to jail. .must see video)


short sale realtor: Can You Sell Your Home As A FSBO As A Short Sale? - 03/08/11 01:35 AM
Can You Sell Your Home As A FSBO as a short sale? Of course NOT!
The quicker answer is a question. . why?
Did you know that the lender pays all commissions and closing costs in a short sale situation when properly negotiated?
I assume that the only reason why anyone  would want to do this as a FSBO is to save the commission
Hopefully, this will discourage you from seeking an ill advised start selling your property.
Another factor. . . 
Lenders will insist that you hire a Realtor to list the property properly and be the liaison for you and them
Save yourself a … (3 comments)

short sale realtor: What Is A Short Sale? A Picturesque Response To Avoid Foreclosure Hell - 03/06/11 11:40 PM
What is a Short Sale?
A Short Sale is a deal struck with a lender for a homeonwer to avoid a foreclosure after a loan modification has been rejected
(by the lender or the homeowner)
What is a Short Sale?
The simplified version. . .
Mortgage Underwater? . .

You are hoping the problem will go away. .

You pay and pay and pay. . .and soon discover. .

You get into deeper debt. .by cashing in your 401K

Bank Savings, Your Kid's … (7 comments)

short sale realtor: New Information about Short Sales With Bank Of America For Maryland Homeowners - 02/15/11 02:38 AM
New Information about Short Sales With Bank Of America
Homeowners that are considering a short sale with Bank Of America should take the right steps to benefit with the latest programs that Bank of America now offers.
The Cooperative Short Sales Program is the latest program that could be relevant  whether your short sale gets approved or rejected.
I invite you to watch the enclosed video to inform you of the latest changes in Bank Of America Short Sales
Click Video Below
Remember, a short sale is not a right that you may be entitled to  . .it is simple … (0 comments)

short sale realtor: Steps You Must Take When Doing A Short Sale With Chase Bank - 02/10/11 08:48 AM
Are you are contemplating a short sale with Chase?
 The few steps you must take are as follows:
Remember, a short sale is not a right that you may be entitled to  . .it is simple a way for Chase to resolve your case if a hardship prevents you from making you mortgage payments,
A Chase Loss Mitigation specialist will work with you and your real estate agent during the process to ensure all approval requirements are met and a timely decision is made.
Chase bank requires for you to complete a request for Short Sale using the Short Sale Information Packet. This contains the … (3 comments)

short sale realtor: Our TV Interview About Short Sales And Games Lenders Play With Families In Hardship - 02/10/11 03:57 AM
From time to time we are contacted by news organizations for an interview.
Such was the case yesterday. They were very accommodating and came directly to me for a 30 minute interview were I pointed out the problems with loan modifications, my eBook and the future of young buyers that I label them as the  new “Foreclosure Generation”
Some of them have witnessed their parents lose their homes and the American Dream is not real for them anymore. ..
They  are the future first time homebuyers that will play a significant role in the real estate recovery of our country

short sale realtor: Loan Modification Trap - 40 Years , Initial Teaser Rate and Your Soul! - 02/08/11 06:50 AM

Loan Modification:
The federal government is pushing lenders to lower mortgage payments to help homeowners stay in their homes, but borrowers and housing counselors say the modification process is not an easy thing to do, despite governmental efforts. They complain of lost paperwork, endless hours on hold waiting for someone to speak to, un-returned calls and unexplained rejections.
What is the homeowner to do in this situation?
In some cases homeowners were victims from predators after paying thousands of dollars to loan modification companies and after securing their fees; they simply just ignored their … (2 comments)

short sale realtor: When To Low Ball a Short Sale Listing ? - 02/04/11 12:24 AM

When To Low Ball a Short Sale?
If you are the buyer who is instructing a buyer agent to put an offer on a short sale property. .. .a question soon comes up”
How low should your offer price be?
How Low Is Too Low?
Does your Realtor even knows the answer?
As a listing agent for short sales, I see the timing process many times has not been grasped by the buyer and their agent alike. . when they present an offer for a short sale listing. 
If I put a listing in 3 days ago and the … (6 comments)

short sale realtor: The Short Sale Decision Map . . When Your Mortgage Is Underwater. . - 01/25/11 06:21 AM
The Short Sale Decision Map
Short Sales Help:
When the 1st sign of trouble in making your mortgage payments is experienced. .
You have very little time. .to make the right choices
I invite you to follow this easy decision map . ..
Via video with explanation or as outlined below. .
Fernando Herboso
Broker - Solutions Finder
"Don't Pray For A Miracle. . .expect it!"
Herboso & Associates llc
Office 240.898.1848
Cell    240.426.5754
Fax   888.913.3535
My real estate knowledge is always up-to-date. For expertise you can depend on, call me when you … (1 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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