What is your real estate commission to short sale our property?

Our services won't cost you a penny!  Our fee and most all your closing costs are paid by your Lender.  We understand the financial difficulties and design our services to help homeowners find a solution to their mortgage problem.  Below is a partial list of the services we offer:

• We help you avoid foreclosure and eviction
• Act as the liaison between you and your Lenders
• Provide you and your Lender with all the proper documents to expedite the sale of your property and minimize damage to your credit
• Aggressively market your property through the Internet and hard copy advertising
• Help you to sell your home and leave it with dignity - we don't hang "SHORT SALE" riders on our signs - to advertise to your neighbors - unless you request us to do so
• We refer a credit reparation professional to help you restore your credit so that you can be in a new home sooner than you may think possible

SHORT SALE QUESTIONS AND ANSWERS:

What is a Short Sale?

A short sale occurs when a homeowner sells their property for less than the amount owed to the Lender.
A short sale requires the approval of the Lender(s), PMI company or government agency, (a third party).  

What is HAFA?

HAFA - Home Affordable Foreclosure Alternative is a Government created program to help the Homeowner AVOID the difficult foreclosure process  - and the Lender MUST release the Seller of any unpaid balance on their mortgage. 

If an Owner/Seller qualifies for the HAFA program they will receive $3000 to re-locate. 

The guidelines for HAFA are very detailed.  We have dedicated many hours to advance our education in the near and recent months to familiarize ourselves with this program.  The United States Treasury started with the program in April/2010.  Fannie Mae and Freddie Mac followed suit with a HAFA program August 1, 2010..  Call us today to inquire if you qualify for this program.  There are many positive changes in the short sale process - and we are excited about them. 

The paperwork is detailed and there are several options to choose from to avoid foreclosure.  It is imperative your Agent be familiar with these options available through HAMP, HAFA, Fannie Mae, and Freddie Mac, call us if you have questions concerning the qualifications or to inquire if your Lender is a participant.

How do I know if I qualify for a short sale?

Call us today for a confidential interview - we have advanced our education, to assist you in the short sale process - we know - yes we do - what a difficult process this is -- and if you qualify for HAFA we can STOP the bothersome phone calls from your Lender, keep you in your home until it sells and hopefully alleviate some of your stress and concerns.  There are relocation fees offered to the Owner Occupants as well - up to $5000!

If I am behind on payments, or have been notified of a foreclosure - can I still short sale my home and stay in it?

YES,  YES - Please don't hesitate to call us today ... and don't move out of your home - please.  You can leave your home with dignity - and again - there are relocation fees available for Homeowners, from many of the Lenders - up to $5000!  Your Lender does not want to foreclose on your home - allow us to show you how and why.

How will a short sale impact my credit verses a foreclosure?

A foreclosure will have a HUGE impact on your credit and will not be removed from your credit report.  If you "walk away" and allow a foreclosure to happen, it can take 7-10 years before you can buy another home.  The wait time for a short sale, if you are in default differ, depending on the loan you have, wait time is usually 2 - 5 years, and can be less depending on the circumstances and whether or not you were in default.  Does not compare to the wait time with foreclosure on your record.  The NAR has published a chart with the impact of adverse credit  - please call or email us and we will be happy to send you a copy FREE.  We also have credit restoration specialists we can refer to you.

We can answer your questions and provide you with the best short sale service in the industry. We can say that because we have. We foresaw this market coming and educated ourselves to help save people from foreclosure, AND HAVE - people - like you.  Arizona has been hit hard - we are at the top of the list - YOU ARE NOT ALONE!

For more information PLEASE don't hesitate to call or contact us by completing and submitting the form above.  All information is confidential.

If we cannot answer your questions, we have attorneys and accountants who are willing to help you - so please avoid the difficult foreclosure process and call us today.