Queen Creek, Arizona Short Sale

Short Sale Experience And Bank contacts Are Essential

webmaster — Thu, 09 Sep 2010 02:06:59 +0000

Hello once more and welcome to our website. We are Kevin Kauffman and Fred Weaver, Arizona Short Sale realtors. Closing greater than 300 short sale transactions in the last couple years, we are simply the most successful short sale realtors in the Mesa region.

One of the questions that we are asked normally is “what makes us different from other specialists? Do we have links inside the bank?” A couple years ago, we wouldn’t have said that our links within the bank were beneficial to us. However, we have come to understand that our links have saved a number of transactions in the last couple years. Our contact with people inside the lenders have helped us put off foreclosure sale dates and get transactions approved.

If we need something urgently, we seem to be getting some preferential treatment. Your short sale isn’t going to automatically be approved five times sooner than others. However, you can rest assured that our group has those significant links and we know how to apply them.

No matter which bank you are dealing with, Chase, Citi, Wells Fargo, B of A, or any other bank, we’ve dealt with each of them. greater than 100 banks have dealt with us in some way, shape, or form. Each bank operates in a different way. And likewise, every bank has a somewhat different way of handling short sale packages. However, with our practice closing greater than 300 short sales in the last couple years, we are equipped for every situation.

We would consider it a priviledge to speak with you soon. We look forward to helping you make a choice concerning your home.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Gilbert – Short Sale Arizona

Watch Kevin and Fred, Short Sale Specialists, on the Short Sale Power Hour. Video for Short Sale Specialists.

LOSS MITIGATION with a Real Estate Expert

webmaster — Wed, 08 Sep 2010 20:59:43 +0000

Many home owners in Phoenix, Arizona are concerned about all of the foreclosures going on in the country today. However, they needn’t be worried as loss mitigation to avoid foreclosure is available to them if they know where to look. Many lenders are now working with home owners in difficult positions to find loss mitigation through loan modifications and the short sale of their home. There are many positive things to be said about short sale as a method of loss mitigation for the home owner.
Your lenders loss mitigation department can help you come out of your current financial situation without too much negative effect. When you contact your bank’s loss mitigation department, you should tell them that you are having trouble and are seeking a loan modification or that you intend to short sell your home. Using one of these two techniques in conjunction with your bank’s loss mitigation department can ensure that you have a home to live in without being thrown out on the streets. The loss mitigation department at your bank has long used the loan modification process to help home owners get bank on track with their mortgage payments. However, short sales of homes has becoming a widely accepted way to avoid foreclosure and many loss mitigation departments are acceptant of this process to cut their losses and keep costs down for the bank.
Some thing to consider when you contact the loss mitigation department…
Although many lenders in Phoenix, AZ will tell you that the loan modification process is your best option, it is, in fact, their best option. They urge home owners to use loan modification because it nets them more money in the long run. The problem with loss mitigation through a loan modification is that most home owners can not afford to make the payments of a new loan schedule just like they couldn’t with their old payment plan. Also, if you do find a loan payment that is affordable through loan modification from the loss mitigation department, you will find yourself paying more money over the long haul because the bank often extends the life of your home.
It is also important to consider why you would want to pay the mortgage on your home that is no longer worth the original loan amount. For example, you took out a $250,000 mortgage to buy your home (valued at $250,000 at the time of purchase) but the value of your home is now just $100,000.
With this type of upside down mortgage, the short sale is certainly the best option for you. With the help of a real estate expert knowledgeable in the short sale process, you can often times sell your home for its current market value and use the entire offer amount to pay off your current mortgage loan. Despite the fact that the offer doesn’t cover the full payoff amount of your mortgage, the bank will accept it as payment in full.
Have a real estate expert explain the details of a short sale transaction to understand the full benefits. Loss mitigation through short sale of your home is clearly the best option.

Get a Loan Modification – Avoid Foreclosure by Modifying Your Mortgage Now!

webmaster — Wed, 08 Sep 2010 11:17:45 +0000

Are you behind on your mortgage or are you facing foreclosure? Does it scare you that you might not have a place to live for very much longer and you might have to find a place that is not what you are used to? There are ways to save your home and avoid foreclosure if you know what you are doing and what to look for. Here are some tips to help you get loan modification to save your home.

First, you need to know what this is and what you can do to use this type of modification to save your home. You have to meet a few requirements that are pretty easy to meet. Your mortgage, taxes, insurance, and any homeowner dues have to be more than 31% of your gross monthly income combined. This is necessary for you to qualify and you also must be in some sort of financial hardship.

Second, when you get loan modification you are actually getting a new loan with a lower payment and rate that will help you make sure you can make your payments without any issue. This is important and they use your current income and budget to help make sure you will be able to handle your new payment without any issues. This will help you save your home and get back to current. This is why you need to get loan modification on your home.

Last, when you are considering modifying your mortgage you can get a free consultation, which is important because some companies want to charge you thousands just for a consultation. You can actually get it done right online for free. You just fill out a simple little form about yourself and your current mortgage. Then, they will call you the next day or within a couple days to discuss with you what they can do to help you keep your home.

Click Here to discover exactly how to Save your Home from Foreclosure by Modifying your Mortgage!

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What You Might Not Know About FORECLOSURE HELP

webmaster — Tue, 07 Sep 2010 10:16:14 +0000

Other than some very personal tragedies in a person’s life regarding health and human interaction, there are very few things that are as stressful and unnerving as going through foreclosure. Given the hardships that foreclosure can bring, allow us to give you some advice in your search for foreclosure help. Foreclosure in Scottsdale, Arizona is a problem that can be fixed if you understand the process and where to find the needed foreclosure help. There are many things to note and consider when thinking about foreclosure help.
A few initial thoughts…
There are literally a dozen different options in Scottsdale, AZ when looking for foreclosure help. However, because we have been led to believe that foreclosure is a certainty when we find ourselves in trouble paying our mortgage, we don’t see the many options that are available for us to find foreclosure help. Homes, titles, loans, and banks have so many complex rules that often times wading through the details gets us lost as we look for foreclosure help.
What you probably know…
We’re fairly certain that you understand that your best foreclosure help is to pay your outstanding mortgage debt, bring your loan current, and be done with it. However, if you are looking for foreclosure help, you probably don’t have the financial means to come up with the lump sum that is required to handle possible foreclosure in this manner. You probably understand that the bank only wants their money. And even though they want you to find foreclosure help and avoid foreclosure, with your past payment history and their knowledge of how these things normally turn out, they are not going to spend their resources to find you foreclosure help.
What you might not know…
As stated above, the bank or lender that holds your mortgage note wants you to find foreclosure help or avoid foreclosure all together. After all, they just want their money. It is also important to note, however, that the lender is also in a bit of a bind. If you are not paying the mortgage, and they must sell the home at foreclosure, they will almost surely get just a fraction of the money that is owed on your loan.
What you should do…
Because you need are considering looking for foreclosure help, you probably haven’t even considered leveraging the banks need to recover their money by using a short sale. With a short sale, you don’t actually get foreclosure help, because you avoid foreclosure completely. In a short sale, you find a real estate agent to put your house on the market. Then, when you receive an offer, you take it to the bank. Although the offer will probably be less than the value of loan, the bank is prone to take the offer because they will get more from the short sale of your home than they can recoup from a foreclosure sale.
The short sale is the best form of foreclosure help available to you. It can help you avoid foreclosure all together and give both the lender and the you the best solution to an unfortunate hardship.

Foreclosure Sale Days And House Owners

webmaster — Tue, 07 Sep 2010 15:03:11 +0000

Hello and welcome to our website. We are Fred Weaver and Kevin Kauffman, Arizona’s leading short sale specialists. We have completed hundreds of short sales and we would like for you to contact us to find out more.

We wanted to speak to you at present concerning what is going on in the short sale business today. Particularly, can foreclosure sale dates be delayed and as a property owner when should you start working with us in a short sale transaction.

Lately, some of the investors don’t want to put off foreclosure sale dates as much as they have in the past. A year ago, if we were talking, I would have informed you that we can get your property on the market and obtain an offer in 60 days allowing your foreclosure sale date to be delayed. To be truly honest, that is not occuring any longer.

If you are in a spot where you are 60 or less days from foreclosure, please make contact with us. We are not saying that your property is going to go to foreclosure. However, if you have not missed a payment up till now or you are only a payment or two behind, please contact us soon. The earlier you act, the better off you will be. If we have more time, we have a better likelihood to make a positive outcome for you.

You must make sure that you are working with a proficient team that has relations within the bank and can productively complete your short sale. The banks do want to help you out, but you need to contact us sooner rather than later.

Thank you for joining us at the moment. Please fill out the form here on our blog so that we can be in contact with you quickly. Have a wonderful day!

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Pre Foreclosure – Short Sale Arizona

Short Sale Services – How to Do a Short Sale

webmaster — Mon, 06 Sep 2010 23:59:19 +0000

The home mortgage crisis is affecting people all over the world. Every day, families are losing their homes due to defaults or foreclosures. Many times, families do not know what other choice they have other than foreclosure. It seems like the only option is to let the bank take back the house, as the payment is just too much to handle, especially in these times when the economic conditions are stormy and dangerous. Short sale services are only a step away, continue forward with this article:

Although, foreclosure may seem like the best choice, however, there could be a better option if you are getting suffocated under the loan(s) due to the ownership of your house.

If you do wish to foreclose on your home, then a short sale might be the right option for you. Basically, a short sale is when the outstanding obligations of loans against a property are larger than what the property can be sold for. If you choose to do a short sale, this is the way to save yourself from having to foreclose and be able to pay off the loan by settling with your lender(s). This article will show you how you should go about doing a short sale.

Get the value of your house assessed: If you decide to go through a real estate agent, then your agent will provide you with an estimate of what your property is worth. However, if you opt to sell on your own, you will have to do research on the market value of the area where you live and of your property.

Consider the costs involved: If you have an agent, they will provide you with an estimate of how much it will cost you to close. If you are selling your property yourself, you will need to call a local title company or a real estate attorney and ask what it will cost you as a seller to close.

Confirm the dues that you owe: This is the amount that is due against the property, which is the total of all loans against your home.

Do the math’s: Subtract the total amount of what you owe against your property from the estimated proceeds of the sale. Do not be alarmed if you get a negative number.

Get in touch with your lenders: Speak to a representative in customer service and explain your situation. They may transfer you to a particular department. If it is possible then ask to speak to a manager; they will have more authority and will be able to help you better.

Inquire about the formalities required to be done for a short sale. Some lenders will be more than happy to work with you by reducing the amount that you owe. Then there are others who will look into the agent that is involved(if one) and any other parties that stand to gain anything from the sale of the house and decide if they are willing to make any concessions to make the deal happen. However, there will be lenders that will tell you that your debt is your responsibility.

Short Sale Services and other essential Short Sale facts, a mere click away on http://www.nphsrealestate.org/short-sale/national-quick-sale.

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Should I Short Sale My House

webmaster — Tue, 07 Sep 2010 02:55:38 +0000

Hello and welcome to the Group 4610 website. We are Kevin Kauffman and Fred Weaver, Arizona Short Sale Specialists. We have closed more than a few hundred short sale transactions since 2008. With a higher success rate and more practice than just about any other agent in the Arizona Short Sale world, we are the leading short sale specialists in the area.

We would like to talk about a touchy subject these days. Should you short sale your residence? The strategic default, or as we refer to it, the business decision, is a very hot subject recently. You may be a residence owner out there that is upside down on his mortgage. For illustration, you might owe $400,000 on your mortgage, but your residence is only valued at $200,000. You might be in a spot where you are getting ready to retire or you are preparing to move. Possibly you have the ability to pay your mortgage, but you are doing this at the determent to your family. Basically, you are throwing money at a terrible asset or investment.

We have had lots of people come to us and say ‘What am i doing here? What should i do?’ The short sale, foreclosure, or keep paying the mortgage are all choices that residence owners are taking into consideration. We won’t tell you what you should do, but you should make the correct decision for you and your family. Many people believe that they have a ethical obligation to make their payments.

While that is a legitimate point, there are a few things in your mortgage agreement that give you the right to stop making payments. Likewise, the lender has the right to foreclose or accept a short sale. You need to assess what is most important to you. If that means that you need to walk away from your residence with a short sale, you should strongly think about it.

There are a few things you must always keep in mind. This is a individual decision for you. Don’t let anybody to tell you what is right or wrong. Your mortgage is a agreement that has choices for you to mull over. Look at what your residence is worth today. How long will it take you to get your mortgage back to even? There are consequences to every option that you have. Make contact with us today and we can help you think about those consequences.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Gilbert – Avoid Foreclosure Arizona

Short Sales And Missing Mortgage Payments

webmaster — Tue, 07 Sep 2010 02:20:53 +0000

Welcome to Group 4610’s blog. We are Kevin Kauffman and Fred Weaver, Arizona’s Premier Short Sale group. We have completed hundreds of short sales over the past couple years. However, this video isn’t about us, it’s about you!

One of the regular discussions we have with residence owners is about missing payments. Many of these residence owners are even now current on their mortgage payment. Possibly they haven’t yet experienced the decrease in their income or they haven’t completely spent their whole savings account thus far. They often want to know whether they ought to or ought to not miss payments.

Realize a couple things about short sales. It is feasible to close a short sale without missing payments. However, with the regularity that short sales are being completed, the lenders aren’t even allowing for a short sale until the residence owner is missing payments. We think that the lenders have made that change since they don’t want the residence owner to take advantage of a short sale and still avoid the harmful effects of missing payments. Furthermore, it is definitely a way for the lenders to keep short sale numbers down. There isn’t a single bank in the land that has enough workers to deal with the short sale folders they already have.

We are never going to advise you to make or miss your payment. However, we can tell you that the bank will want to observe you miss some payments before they choose to even look at your short sale. Most of our clients are ok with the credit hit and knowing that they can get back into a residence in a couple years. We will discuss the decisions that are facing residence owners in a future episode.

Fill out the form on our website so a member of our group can have a short talk with you. Thank you for joining us now. We will speak with you again shortly.

If you have questions, get your Short Sale questions answered by Short Sale Specialists.

Watch this and more short sale videos by Kevin and Fred at My First Short Sale

Also, follow Group 46:10 on their blog at Chandler – Foreclosure Short Sale Phoenix

Manage Your Credit Score with FORECLOSURE SHORT SALE

webmaster — Mon, 06 Sep 2010 18:48:22 +0000

Finding a way to avoid foreclosure in Phoenix, Arizona should be the focus of any person that finds themselves behind in their mortgage. One of the best ways that people have found to avoid foreclosure is using a foreclosure short sale to keep the bank from sending that dreaded letter. If you are one of the many people that has not heard of a foreclosure short sale, it is a complicated process. So, we will explain the foreclosure short sale to you as simply as we can. A foreclosure short sale is when a mortgage lender decides to accept an offer from a buyer that is less than the needed amount for what is owed on the existing mortgage property.
In some cases, a foreclosure short sale in Phoenix, AZ can take as long as six months to close on. There are several reasons for the foreclosure short sale taking so long. Don’t worry about how long it takes to close a foreclosure short sale. However, you should consider why it is important to use a foreclosure short sale and avoid foreclosure completely. The biggest reason to decide on a foreclosure short sale is to keep your credit in relatively unscathed. If you plan to own a home again in the future, it is important to avoid foreclosure through foreclosure short sale.
If you now understand that the foreclosure short sale is right for you, get help. You will be better served in a foreclosure short sale to have a knowledgeable real estate agent with experience in the foreclosure short sale process. Sit down and speak with the real estate agent to gage just how experienced they are with negotiating a foreclosure short sale with lenders and banks. An agent with experience in foreclosure short sale will understand that it takes a lot of patience to negotiate with a bank. Many real estate agents do not have people with experience in foreclosure short sale and will struggle through the process. They could probably still handle a foreclosure short sale, but you will be better served to find someone with experience.
Many times, the best choice you can make when executing a foreclosure short sale is to find an investment group who will be willing to offer you an all cash payment for your property. You will want to avoid contingencies when you execute a foreclosure short sale and try to find a buyer that is willing to close on the property as soon as the mortgage company agrees the offer from your investors. Once again, it is mildly important to find an investor who has some experience in dealing with a foreclosure short sale and is an expert in dealing with bank negotiations.
The most important thing to remember is that a foreclosure short sale will help you keep your credit in a manageable condition. Because you are already in a tough spot, a foreclosure short sale will be the best solution for you.

Your Short Sale Realtor Needs To Be Committed To Succeeding

webmaster — Mon, 06 Sep 2010 05:58:46 +0000

We are Group 4610, Arizona’s Best short sale team. Short Sales in Arizona are our concern. We often get questioned about why we are the best short sale agents in Arizona. Ultimately, what seperates us from other agents in this Arizona short sale market?

I had a recent situation where a pal was going through a short sale and wanted a little advice as to what to do with a short sale at Bank of America. I coached her a little bit and gave her some ideas to pass on to her short sale realtor. Ultimately, if you are having troubles escalate to somebody higher up at the bank.

After getting off the phone with her, something dawned on me. I should have told her something different. It is not about what we do. Don’t get me wrong. We have wonderful techniques and we have great relationships inside the bank. When we ask for something, they are aware of who we are and they act in response to us. This happens because they understand that we close short sales. We aren’t there to waste anybody’s time.

Ultimately, our achievement is a unequivocal product of our mindset. Short sales are complicated transactions. They are not like the customary real estate business. Finding solutions to problems, no matter the conditions, is what we do best. Our deepest committment is our aim and, in turn, your outcome.

If you choose to work with us, know that when you enter into a relationship with us we take that very seriously. Our deepest committment is to get your short sale done effectively. We have a mindset that we are going to get the work done and help you get around foreclosure. There are troubles that arise in this process all the time. Yet, we choose to defeat those troubles.

If you have questions, get them answered here Glendale – Short Sale Realtors