WWW.MenifeeShortSaleRealestate.com
As a Menifee Short Sale Specialist I have been meeting with and providing solutions for struggling homeowner's since 2007. Aside from the homeowners personal situation and hardship, one of the biggest challenges homeowners face is the myriad of information and more importantly mis-information out there on the Internet and through direct mail campaigns. It is sad to see company's make promises and take advantage of homeowners already confused, scared and in a vulnerable state of mind.
Here are some suggestions to Menifee homeowner's that are struggling to make their mortgage payment and are seeking assistance.
Call Your Lender First-Your lender wants to help you! That is really the bottom line here. If you have already missed a mortgage payement or two or know you are headed down that road contact your lender and tell them you are experiencing a hardship. If you are not comfortable contacting your lender to have that discussion yet there are 'not for profit' organizations that can assist you such as the Making Homes Affordable organization. www.makinghomeaffordable.gov Their website is very comprehensive and answers alot of the questions you probably have on your mind.
Avoid Scams-If it sounds too good to be true than consumer beware. It probably isn't true. Never~ever pay a fee for counseling services, someone that tells you they can reduce your payments, stop your house from going into foreclosure, get you a loan modification, asks you to sign over your deed, a company having your make your mortgage payment to anyone other than your lender or pressures you into signing any kind of paperwork without you doing your due dilligence first. 
Short Sale VS Foreclosure-If you are doing your research you already know that a short sale has a far less impact on your credit worthiness than a foreclosure. Avoiding the situation or waiting too late could cause your home to go into foreclosure. While sometimes it is possible to stop a Trustee Sale Date at the 11th hour we don't recommend waiting that long. The great news is that you have options in avoiding foreclosure. This is where we come in. We have helped many homeowner's avoid foreclosure by successfully short selling their Menifee home. There is never~ever a fee to you. The bank pays all fees including buyer's closing costs. We market your home (discreetly if this is your desire~no problem), secure the best buyer and negotiate on your behalf to get you the maximum relocation assistance.
Hire an Expert-One last word of caution. Always, always, always hire a professional with a great track record in getting short sales approved by your bank, is accessible at all times, can explain the process to you and is committed to that process. Education and Certifications in short sales means the agent you hired takes the business of short sales very seriously and has invested their own time and money to obtain further education to best serve their clients.
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