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AVOID FORECLOSURE
Whether you have lost a job, experienced a divorce, are dealing with health issues, or you are experiencing financial problems like many other good, honest people in the same situation, there is a way for you to get out from under the debt. YOU CAN STOP FORECLOSURE! - ARE YOU UPSIDE DOWN ON YOUR PROPERTY? - IS YOUR ADJUSTABLE RATE MORTGAGE (ARM) ADJUSTING TO A HIGHER INTEREST RATE YOU CAN NO LONGER AFFORD? - ARE YOU UNABLE TO REFINANCE YOUR HOME? - DO YOU OWE MORE ON YOUR HOME THAN IT IS NOW ACTUALLY WORTH?
- ARE YOU TRYING TO SELL YOUR HOME "FOR SALE BY OWNER" (FSBO) BECAUSE YOU DO NOT HAVE ENOUGH EQUITY TO PAY A REALTOR COMMISSIONS? YOU DON'T PAY US..........THE BANK PAYS US! Rather than foreclose on your home, lenders would rather help you find ways to become current on your home mortgage or approve a SHORT SALE. Hire a CERTIFIED SHORT SALE SPECIALIST who will list your property for sale and negotiate details and loan discounts with banks so YOU CAN BE FREE OF THIS DEBT. If you are ready to resolve your financial burden and sell your equity-deficient home, CALL SHERI PERRY TODAY. A: Short sale is a process where a negotiated settlement is made between the lender that holds the mortgage and the seller for a third party buyer usually facilitated by a professional like a Realtor or an Attorney, even before the foreclosure process in initiated by the lender. Therefore it is considered a pre-foreclosure sale. "Short" simply means the payoff amount agreed to in the transaction is just that...shorter than the mortgage balances owed on the property. Q: WHY SHOULD YOU USE A REALTOR® TO REPRESENT YOU? A: Most lenders prefer working with Realtors® who could make sure all the state and local real estate laws are complied with including proper disclosures as in a regular sales transactions. Lenders don¿t want any future liability dealing with non-licensed Investors or consumers directly. Q: DO YOU NEED TO MOVE OUT OF YOUR HOME DURING THE COURSE OF THE SHORT SALE PROCESS? A: NO! Stay in your property until it sells. Your lender would rather you remain in the property and maintain the lawn, utilities, etc, if financially possible to allow for an easier sale. Abandoning the property may result in someone vandalizing the property, inability to sell, etc. It is best not to move out and spend your money on rent. Save as much as you can to get back on your feet again. The SHORT SALE process may take up to a year with some lenders. Q: HOW LONG DOES THE SHORT SALE PROCESS TAKE? A: Once an offer is actually received on your property and all necessary paperwork is submitted, the sale may close anywhere from 45 days to a year (or more in some situations). (But usually 45 - 90 days after the offer is received). This is why lenders recommend you remain in the home...and you can save some money. Q: DO I PAY THE REALTOR A COMMISSION OR A FEE TO LIST/SELL MY PROPERTY IN A SHORT SALE? A: NO. You are unable to make the mortgage payment for many unfortunate reasons. Therefore to quickly sell the propety "short" of what you currently owe, the lenders will pay the Realtors. If you have any further questions or would like to schedule a FREE private consultation, feel free to call or e-mail. (863) 838-5756 or nuhomefinders@usa.com
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