That's a feeling oh too common when you're fighting a foreclosure. You get tired of the never ending phone calls, the stress eats away at your sanity. You can't sleep, all you do is think about how your American dream has turned into a nightmare. Enough is enough you just want this to be done! You say: "Who cares if my credit will be ruined, I just want to feel peace again!"
Is that you? Is that how you feel? Hey, it's normal to feel that way.
No this isn't a session with Dr Phil! This is an attempt to help you to reach down inside and continue the fight! I know this isn't as serious as fighting a disease but the stress and worry will make you sick! You ask, why should I continue to fight? Nothing is going my way. My house is on the market, I'm getting showings, I've gotten 3 contracts and the first two have fell through and the third, well it looks just as shaky. Enough!
Is walking away with your hands thrown up in defeat what ya really want?
Do you want to rent for the next five years, because if you let your house go into foreclosure, that's the time the lenders have said they'll loan to you again. Do you want someone else telling you what you can or can not do in or to your home for 5 years? That you can't paint, you can't take in that cute little stray kitten your kids brought home. Ya gotta make sure the carpets stay perfect, the walls don't have marks and the list goes on! Or what's worse is you get settled and you find out a few months into your lease, that the landlord hasn't been making their payments and the house is going into foreclosure! You pay your rent on time but the owner doesn't have the same courtesy with their mortgage for you. Let's look at this.......
Freddie Mac and Fannie Mae are saying you can't get a loan for 5 years if your home goes into foreclosure. 2 years they say if you do a short sale. Yes you have to rent for 2 years with the same dangers and nuisances as 5 years but 2 is much better than 5. Take those two years and pay your debt off, save money and build your credit. Learn from your mistakes.
There are times in life that it was just plain hard and instead of giving up, you fought, you dug deeper!
You stayed with the fight and when it was over you felt like you accomplished something because you saw it through to the end! It felt good. And I bet there are times when you let go just a little too soon and later ya wished ya stayed with the fight because the results would have been better. But hey! You live and learn.
Now I'm not saying every house on the market as a short sale will sell, some don't and the end result is a foreclosure. At the end of the day though, you can say I tried everything I could and I didn't give up. No regret, again you just learn from your mistakes and move on.
You see, this is how I feel about my short sale listings. I don't believe in giving up. I will fight in getting your home sold until it's either sold, or until the unfortunate may happen and it's foreclosed on. I will do everything I can do to try to prevent the latter.
If you're in foreclosure and you don't know what your options are, call me (904-910-3516) or email me at pam@pamgraham.com. Also check out my avoid foreclosure pages. Maybe you've had your home on the market with an agent who has given up but you haven't yet, contact me and we'll see if we can come up with a plan. I'm not going to say that I'm the ultimate short sale expert, short sales have just become the norm in the past year or two. Every lien holder is different they have their different policies or for some lack of policies. I've learned from the experts who have done short sales when no one knew what a short sale was. I have a system, I don't give up and I treat all parties involved with respect. I leave my ego at the door and I work hard to get your house closed.
If you're ready to fight or ready to continue to fight, let me know, I'll fight with you!
Originally published at Jacksonville Florida Real Estate
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