What is a foreclosure?
A foreclosure occurs when the bank reposes the property from the home owner due to non-payment of the mortgage.
What is a loan modification?
A loan modification is a change in one or more of the terms of a mortgagor’s loan, allows the loan to be reinstated and results in a payment the mortgagor can afford.
A short sale occurs when the bank is willing to take less than what the home owner owes on the property in an attempt to sell the property prior to a complete foreclosure.
When you should call us for help:
- If you have tried to refinance or do a loan modification with your bank and they were unwilling
- If you know you will soon be unable to make the mortgage payment
- If you are currently behind on your payments
- If the foreclosure proceeding has already started
- If the sheriff sale has happened and you are considering selling your home on a short sale
You do have choices. We are here to assist YOU the homeowner and look out for your best interests. There are many individuals and companies that are contacting people in your situation looking to make a quick buck from your hardship. They are not looking out for your best interests. We want to help you and make sure you know all the options available to you during this difficult time.
We have a combined Real Estate experience of over 25 years and have built our business on integrity, referrals and always working in the best interest of our clients. Many agents may claim to be short sale experts, but we can prove it! We have successfully closed over 100 short sales and are in the top 1% of agents in the state. Let us help you before it’s too late. Contact us today for a for a free, confidential consultation. We can work with you to determine what is the best course of action for your current situation.